Need help with filing!

[Phreak101]

Hey all

Forgive my ignorance here but I need some help...

I am currently having my docs prepared for me by Bridgeport Bankruptcy Full Service, however I don't have a lot of consultation available.

They are asking me to list all of my debts, however a lot of my debts have been sent off to collections, and some debts I'm not even sure how much I actually owe because they have been passed around so much! Also, I need to get this filed soon, but I had a car taken back and I was told it can take up to a month to sell at auction before I can find out what I actually owe the bank. I'd prefer not to wait that long.

How important is it to have EXACT dollar amounts when listing your creditors? I'm assuming I'm just filing for protection from the creditor, rather than the exact amount of money I owe them. Also, do I need to list who is actually handling my account presently or the ORIGINAL creditor?

Thanks for all your help!

[HHM]

You don't need exact amounts, and you can even put "Unknown" in reference to the amount owed.

The most important part of the list of creditors is the Name and Address.

Give your doc preparer the name and address of all the collections agencies that have sent you letter so that they can be included in your Bankruptcy.

[Flaminblonde]

What happens if a collection agency sends it off to another collection agency, and after you have already filed, that new collection agency sends you a bill? Does that mean that you owe them now, even though the original creditor is in the bankruptcy along with other CA's?