Creditors addresses

[Neverbeenhereb4]

From Wisconsin

I am just starting to fill out the papers for bankruptsy and they need addresses for the credit cards. Do the credit card co. have "special" addresses I need to send the papers to, or just use the return address that is on the delinquent bills? Some of the paper work is confusng and I always thought I was pretty smart, but this paper work makes me feel like I am reading a different language.

Also, do I need to include credit card co. that have zero balances, i.e. I haven't used my jcpenney card in 2 years so I don't owe them anything.

And what about DR. bills I intend to pay anyway, I owe my doc $6.00, my physical therapist about 75.00. Should I tell them, sorry but your gonna get a letter, but I will pay you anyway so don't freak out.

Thanks for the help, I was so glad to find this site!!

 

[InsulinRules]

For credit card companies:

1) List billing question address (usually on back)
2)Also to Payment address
3) And to any other address you see
List the amount owed only once. On subsequent entries, list as "Alternate address", "Duplicate Claim", "0.00" as debt.

Like this:

acct number 456 $5,000
CitiCreeps Bank
PO Box 456
Hades, HI 23133
$5,000
----------------------
Acct number 456
Citicreeps Bank Alternate Address $0
Box 8889988889 Duplicate Claim
Scum, SB 54565
---------------------------------------------
Acct Number 88559
CitiCreeps Bank Alternate Acct Number $0
box 60 Duplicate Claim
Somewhere Else
--------------------------------------------
Acct number 456
Citicreeps Collection Acct $0
Dewey Cheapum and Howe Duplicate Claim
4568 POX lane
Smelly Village NY
_____________________________________


Note that I've included alternate addresses AND accounts numbers. This way the creditor can't say "Well, that's the wrong PO Box from the bill, or yes, that account number was discharged bu not this account number from 10 years before!"
(Neither of those creditors objections will go real far usually, but it's not worth the hassle when you can stomp on them now.)

In addition I'd try to list the "lineage" of your card. If you've had a card for a long time, it might have been sold several times. One of the tricks of the card companies and collection agencies is to claim that the debt was not discharged because the "correct original creditor" wasn't notified....even though you've been paying an assignee bank for 10 years (they claim recourse clauses left the original bank as ultimate creditor). While the courts have generally turned a deaf ear to this hoary charade, it's alot easier just to list the lineage, include the "old stuff" now, and let them be notified.


Lastly, even if you don't think you owe a creditor, list them anyway, and state believed paid in full and $0 owed. They'll still get a notice and they can figure it out. Remember, you get one shot at this every 7 years. List everyone and let them sort it out. You CAN'T get hurt giving too many addresses or account numbers.

 

[Ladynred]

Pull all 3 of your credit reports and use the addresses on them to list your creditors. This will also give you a good list to use to be sure you don't miss any of them.

If you don't owe a creditor any money, zero balance, there is NO DEBT to be discharged.

Make sure you list collection agencies (if there are any) as well as the original creditors.

If you have any in collections or seriously past due, pad the numbers to make up for the additional charges they're tacking on daily/weekly/monthly.

 

[InsulinRules]

The main reason for listing everyone is in case you "miss" someone.

True example:

Client was convinced they had paid a bill and didn't want to list it. They even had check numbers, which had cleared.

Great. I told them to check anyway.

Lo and behold, the creditor claimed never to have gotten the checks. Fine.

Sent creditor copies.

Creditor no care.

Listed creditor on schedule, stated disputed, stated subject to setback (hey, if the creditor says the bill is unpaid, and creditor is holding debtor's money but not for payment of debt, becomes an asset). No matter what happens, debtor is cleared.