finally going to file

[junker]

after putting off filing bk for many years, thinking i was judgement proof and not having a need to,i am finally going to file. many of my old bills have changed collectors probably many times, do i have to list the current collection agency that has the note, or do i list the original creditor only, also i have a judgement that they have tried to collect on for a few years without success, do i list the agency that has the judgement or the original creditor? i also have a couple of really old bills probably over ten or fifteen years old, that fell off credit agencies, do i have to list them? one is from boa from 15 years ago that someone called on a couple of years agotring to collect on. can they reaappear on credit report after all this time? altho the amount of the bills is not that high, close to 10k i am also letting a house mortgage go of which i am half owner as we will be letting it go in foreclosure. other than the house everyting is unsecured, one more question, i am half owner of a vehicle which is worth maybe 6k at best, the other half owner is not filing right now so how will the trustee look at this, the exemption for vehicles in florida is only 1000. thanks for any help

[SinkingFast]

We had a few accts moved to outside collections.

The way our attny did it was to list the original Creditor, contact address, acct number, and $$$ amount of the debt.

On the very next line, the attny listed the Collections Agency, on behalf of Creditor named previously. For example, XYZ Collections on behalf of Chase. Then the Collector's contact address and such.

If your acct has changed hands several times, you'd list the original Creditor and as many Collections Agencies as possible in the chain.

It's really not absolutely necessary to do so. It's more a CYA for you for the future. So just do the best you can.

It's a Collections trick to come back, some time after Discharge, and try to collect on an old debt. Our attny listed everyone possible so they didn't have the "I didn't get notified" defense later.