Do I list every Creditor on Matrix?

[spooby72]

I am filing myself and filling out my chapter 7 packet and was wondering if I had to list my mortgage company (will be keeping the house) on the creditor matrix?

[HHM]

Yes, every creditor goes on the Matrix regardless of your intentions with that particular creditor.

Your duty under the BK code is to list everyone you owe money too and notify them of your Bankruptcy.

[bkfiler]

what happens if you only can list the recent ones...

what happens if you only can list the recent ones but cant remeber and dont have the old creditors from 15 years past. seems like including them would bne great to do.

but can they really do anything now since they have no legal rights?

i cant possibly find this info i dont think.

how much would you guys charge to add 15 extra 15 yeard old creditors.

what happens when you give an address that know longer owns the debt? or do you just list whoever owned it orignally and leave it at that?

[HHM]

Do you owe money to them. If you have a zero balance,t hen they don't need to be listed.

The down side to not listing a creditor is that their debt is not discharged. As for old debts, the statute of limitations starts from the date of last activity, i.e. last time you used the card or last time you made a payment.

[Minnymouth]

You can find a lot of the "old debts" listed on your credit report along with addresses for them. Check that out too.

Minny