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On the appropriate schedules included in the BK kit. For example, creditors holding unsecured priority debts and creditors holding unsecured nonpriority debts are listed on different schedules. Likewise, executory contracts and leases on another schedule and so forth. The designation for each type of schedule may differ somewhat when the BK is a state filing. All instructions and forms should be included in the BK kit. Having said that, a far better choice is to retain a qualified BK attorney. Not advertising, just stating a fact.

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โˆ™ 2006-09-09 01:55:25
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Q: How do you list creditors and the collection agencies in the bankruptcy?
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Do you list a landlord on the list of creditors in a bankruptcy?

You do if you owe him money. You must include ALL creditors.


When filing bankruptcy do you list the original creditors or the collection agencies?

You will list on the petition the actual names of the creditors not the collection agencies. After you file your petition you will give your docket number to any of the creditors or the collection agencies who are trying to collect monies for the creditors listed on the petition when they call you or send their demand letters. Please be very careful to include ALL the creditors you wish to declare bankruptcy on. Once you file your petition you cannot add creditors later. You can actually amend your BK Schedules anytime prior to discharge, so if you forget someone, its not too late. However, you will have to mail the notices of Commencement of Chapter 7 yourself and will be responsible for renoticing the creditors if notices are returned due to a dead address or forwarding expiration. I recommend listing both the collection and the original creditor. The collection agency may have purchases the debt and be more than a collection agency at that point. Also, listing the collection agency means that that they will be notified of the automatic stay directly by the court and the phone calls will stop sooner. Regardless of what you do, remember that the new law that goes into effect in October 2005 requires you to list the original creditor at the address on your statements. I am a bankruptcy attorney and I always list both the original creditor and the collection agency or attorney representing the original creditor so that the creditor cannot later complain that they did not receive proper notice of the bankruptcy. I always pull a fresh credit report from all 3 bureaus on the date the petition is filed so that I don't miss any creditors who may have bought an account or that are representing a creditor in some way.


How do you get your creditors list?

You can get a list of your creditors by checking your credit report. Most of all creditors will report to the agencies and will have a record.


How do you find out what collection agency you owe to?

An easy way to find out what collection agencies you owe money to is by pulling your credit report. Credit reports will list balances with all creditors as well as if any balances were turned over to collection agencies.


Do you notify creditors of your bankruptcy or does your attorney?

You have to provide the court with a list of all your creditors, called the creditor matrix, which the court uses to send notice to all creditors.


If your credit cards are in collections do you have to report the name and address of the credit card company or the collection agency that has taken over the account when filing bk?

The new bankruptcy law requires that you list the original credit. However, I recommend reporting both. It doesn't cost you any extra money because the bankruptcy court mails out the notices and the harassing phone clals will stop sooner if you notify the collection agencies as well as the creditors.


Do creditors list a charge-off on credit reports as of the bankruptcy filing date or as of the discharge date?

Creditors list the charge off date as the date the bankrupcty was filed


Will a closed credit card account receive notice of a bankruptcy filing?

Only those creditors you list on your bankruptcy schedules / creditor matrix (list) will receive actual notice.


Where can I find a list of all the collection agencies in Nevada?

You can find a list of all the collection agencies in Nevada at www.nationalmanagement.net/collection_agency_states. Another good site is www.resourcesforattorneys.com/collectionagency/nvad.html


Is it illegal to not tell creditors that you have filed Bankruptcy?

You don't have a choice. You list all of your creditors and the court notifies them of the filing. If you deliberately omit a creditor from the list you can be charged with a federal crime and, more seriously, denied a discharge or have your discharge (as to ALL creditors) revoked.


What is a list of the top collection agencies?

There are several collection agencies in the world. Some examples include: Americanprofit, Avonmere, Capquest, Direct Recovery, Equifaxs and Olddebts.


Will your mortgage company know if you filed bankruptcy?

Yes. When you file bankruptcy you are required to fill out a number of forms. Schedule D is the form for Creditors holding secured claims and a home mortgage is a Secure Debt. You will have a complete list of all your creditors names, addresses, account numbers on a form called the Creditor's Mailing Matrix. The Bankruptcy court sends notification to all the creditors listed that you have filed bankruptcy.

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