Which address should we list for creditors?

[storesstores]

My attorney told me either the payment address OR the correspondence address is fine...What do you think?

I listed mostly the payment addresses on my BK Questionnaire for my attorney...

[JRScott]

Correspondence address I think is the better to use.

[storesstores]

How and WHEN would I find out if a creditor didn't receive in the mail notification of me filing Bankruptcy?

[marzipan13]

one way to find out if and when the creditors were notified is to sign up for a 3 credit bureau report that will send you email alerts whenever anything changes on your credit report.
right after filing, i signed up for truecredit.com. it's $14.95 a month, and i'm getting alerts frequently when creditors have changed their status to "included in bankruptcy" or "discharged in bankruptcy".
a few weeks after you get your 3 bureau report, you can start disputing the debts that haven't been updated... i went to transunion, experian, and equifax websites and disputed all of my debts as "included in bk". slowly, but surely the debts are being updated. i'm not 100% sure, but i think creditors will find out about the dispute, and in turn will update your account. sometimes creditors pull your report when trying to collect the debt... at that time, they'll see you filed bk.
worst case scenerio, they'll want you to send proof that you filed (copy of 341 meeting letter from bk court and the print out of creditors who were notified via bk court)... just send them a copy as proof.

in the NOLO book, there is a generic letter that you can copy and send to your creditors via registered, return receipt mail.
it simple tells them you filed, your case #, and info about the automatic stay. once you get the return receipt, you can try calling the creditors to verify your debt status. they should be able to tell you that the debt has been placed in bk status.
once they know you've filed, most likely they won't even try to discuss the debt with you.

i called one creditor this week because they had sent me a threatening letter. turned out the original creditor sold my debt to a collection agency. at first, the lady was kinda pushy about me repaying the debt. i cut her off and said i have filed bk... no assets and that this debt with her will be discharged since it's a unsecured consumer debt. she got really nice and said she was sorry they sent me a letter, that she was updating my account and wouldn't hear from them again!

[JRScott]

How and WHEN would I find out if a creditor didn't receive in the mail notification of me filing Bankruptcy?

If you mailed them then you would get the mail returned if they didn't receive it.

Otherwise that side is handled by your lawyer typically.

[monlyba]

can you just list every known address you have, or is there only one "spot" for an address for each creditor? i am worried about this as well, i don't even have copies of the bills of the original creditors anymore, only collection agencies, so any addresses i get for the original debt owners will more than likely be from the company websites.

[Minnymouth]

Marzipan13,

All you need to send a creditor is a copy of your discharge..... You don't have to send them a list of your creditors you filed against. It's really one of their business who else you filed on.

When yo dispute thru the credit union, then the creditor has to prove you still owe the debt or they have to update it to say "included in bankruptcy"...... Most won't even question it, and just change it to say IIB.....

[Cassiopeia]

can you just list every known address you have, or is there only one "spot" for an address for each creditor? i am worried about this as well, i don't even have copies of the bills of the original creditors anymore, only collection agencies, so any addresses i get for the original debt owners will more than likely be from the company websites.

I personally listed EVERY address I had for each creditor....and in some cases, that was as many as five or so! I had some CC accts. that had been sent to collection agencies, and found that those agencies had sent them to other agencies, and on and on. I was in such bad shape, I didn't even open my mail for months before filing.....so when I had to get all the info together for my atty., it was a real eye opener. Some CC's were in multiple stages of collection, and I just used every single address I found. Better safe than sorry.

ETA: And yes, I did furnish address for both billing and inquiries.......from both original CC statements AND collection agencies.