What am i giong to do?

[jessegirl]

Ok, I had a thread going a few days ago, maybe a week. We filed about 1 week ago and the paralegal left off some creditors on our Schedule F - I have called 2 times and even went into the office and they say it doesn't matter that they left of about 7 credit card accounts. They say if you have multiple accounts with creditors as long as one of those accounts are listed, that they will ALL discharge. I am soooo upset over this cause I feel and some of you feel that that SHOULD be listed on schedule F. They are listed on the matrix. I told her that she left off 30K in credit cards and I wanted them added to the schedule F, she refuses and says it doesn't matter that anything that we had before we filed (Credit Cards) will be discharged, even though the account numbers are not listed on schedule F. I told her that i will have a problem maybe not now, but in a few months or years after discharge, with trying to prove that those accounts were discharged. They basically refused to add these to schedule F. I am sick over it. It was crying when we left. I am thinking that i am going to have a heart attack over this. Is the paralegal and the attorney correct? If not what should my next step be? Please help I am desperate. My attorney is naturally paid in full. I just want to scream...

[AngelinaCat]

jess, how far into your waiting period are you?

[jessegirl]

I filed 6 days ago

[PoorGrammyinBK7]

Well if you can't get the lawyer to amend it now, you will have a chance in your 341 meeting when they ask if all the info if true and if there are any errors or changes that need to be made. (They usually ask that - maybe not always).

[pmed8]

Well two things come to mind.

First, I would go above her head. Everyone has a boss.

Next, If that doesn't get me the results I wanted I would fire them and hire someone else. That may not be an option for you. I don't know the whole story about your financial situation.

Lastly, if you aren't able to get results and can't fire them and you exhaust whatever options the brilliant people here will suggest, there is always the 341 meeting.

The trustee will ask you if your forms are correct to the best of your knowledge. Simply state no and follow up with an precise accurate description of the situation and I would be prepared to hand the Trustee documentation showing those accounts. I am sure AngelineCat will be back shortly with some other ideas.


pmed8

[jessegirl]

Is my attorney right with not having to put mupl;tiple accounts on the schedule F? I say everything has to be on, his paralegal and him say no! As long as you put the company down on thematrix, they will be notified and it is legally up to them to find all account sthat you have with them and include them in on the BK7. Is that right?

[AngelinaCat]

So you haven't had your 341. I would insist that your attorney fix the papers by then. *I know**we had one of those too***

You **should**have a consult with the attorney before the 341. If that happens, make sure the ommissions are fixed then. If they refuse, take CORRECT copies to the 341, and insist that your trustee take them. He does ask, usually, if you have looked over everything, and is it correct? That's your time to speak up and say so, if the attorney won't do it beforehand.

Don't be knuckled under by the fact you spent money on a worthless-piece-of-human-hide-that-happens-to-wear-a-shingle.

Its obvious it is time for me to go to bed. Good luck.

[jessegirl]

Its so fraustrating and I know you can defiantely relate to this. We went there today and that keep saying, it dfoesn't matter if ALL of the account numbers are not on there, as long as one is then thats OK. I acutally fought with them. Its eating away at me, cause I believe that they should all be on. Do you think that those accounts will not be discharged? Or maybe I will have a problem later on and when they say send us your petition proving that it was discharged and I can't. I am so F----in mad. I paid alot of money for his service and they are telling me I am wrong. AM I????

[jessegirl]

Angelina - I did have a consult and I called them 2 times about this and went there today and got absultely nothing accomplished. My pressure is sooo high that i cannot not even see right. I need to slap someone... LOL.

[Sept11]

jessegirl...if it makes you feel any better...my attorney told me the same thing here in New Jersey. I had several accounts with Bank of America (over 30,000 in CC debt) that got written off months ago. Debt collection companies have bought this debt for pennies on the dollar and started coming after me. When I filed...I told my lawyers that many of my CC accounts have been written off and are now owned by new companies...some of which I didn't know the name of. The lawyers told me the same thing as your told you...that it doesn't matter what your account number, balance, creditor,etc is...your entire financial picture snapshot at the time you filed will be discharged. Let me ask you a question...have the collection agency phone calls stopped at your house? My phone never rang again after a couple weeks of filing Chapter 7....which showed me these companies that weren't listed somehow found out. My lawyers told me that everything is electronic these days and as soon as you file bankruptcy...anyone that's part of your credit report gets notification immediately. And if a company (like Bank of America for me) gets notification of the filing and has written off the debt already...it's their responsibliltiy to forward the notification onto whomever has taken over the debt. Hope it helps. I'd def get a second opinion though.

[liz417]

Angelina - I did have a consult and I called them 2 times about this and went there today and got absultely nothing accomplished. My pressure is sooo high that i cannot not even see right. I need to slap someone... LOL.

Hi Jessegirl,
Regardless, if the accounts will be discharged in BK or not, YOU are his client...You paid him good money to represent you...You are his boss...period! If YOU want the schedules to be change, then THEY should do it to appease you! You need to remind them that you are paying them for a service!
I'm so sorry you are going through this, take a deep breathe and try to gather strength to deal with this on Monday.

Good Luck and let us know what happens.

[jessegirl]

Sept11 - No i haven't gotten any collections calls. I really never did. I would only get them from the creditors themselves. But, for the most part everyone has stopped calling. I did have one call last night, but i didn't pick up.

Liz - I did tell them 3 times I want it changed. They basically refuse. I wanted to really reach over the desk and salp one of them. They are looking at me while i am saying this, like is she stupid? we told her 3 times already. They get loud too! I said kept well I want them on there for other reasons, like years down the road, if i should get a call from another source that the amount was sold, I am not going to have any proof that it was included. Why would they write 2 account numbers down and not the rest for the same creditor?? Its driving me crazy.

ANgelina - I know you had a NOT so good attorney so you know what I am talking about. Its like whenever I call there ort go there with a problem, they frigin dismiss everything. I am so F**** mad. Its on my mind so much, cause i know it ig going to be a problem, maybe not now but in years to come.. Then what??

[jessegirl]

Am I right with what i am saying as far as, trying to correct the credit report. Like if one of my BOA accounts shows charged off and I want it to say IIB, I don't have any proof because that particular account number is not showing on my schedule F, or if they sell off the debt and soemone calls me, how am i going to proof that that particular account number was included inthe BK?


Once this BK is closed, but attorney will not want to know s***, unless I fork over more money and then he will say why didn't you saying something before... I know it!

[BROKENN]

Hi JG,
So two things here:
1. Most say you get it all discharged if from the same company. So you can **breathe***
2. You should have things done for your peace of mind regardless, and this firm is crappy. Its your BK.

Hang in there! You'll get through it!

[Mi Bankruptcy]

Am I right with what i am saying as far as, trying to correct the credit report. Like if one of my BOA accounts shows charged off and I want it to say IIB, I don't have any proof because that particular account number is not showing on my schedule F, or if they sell off the debt and soemone calls me, how am i going to proof that that particular account number was included inthe BK?


Once this BK is closed, but attorney will not want to know s***, unless I fork over more money and then he will say why didn't you saying something before... I know it!

Jessegirl,
My attorney told me the same thing. I am getting ready to submit all my information to my attorney. He did tell me at the free consultation that as long as the creditor has received notice of bankruptcy "all" of your accounts will included in the process. If they refuse to change the information anyways I would write a letter with all the accounts listed make your lawyer sign it saying that these accounts will be included in the bankruptcy and make him sign it. If they are so sure it will be included then they should not have any problems signing it. I would also threaten to contact the bar and file a complaint with the BBB.

YOU ARE THE CLIENT. They work for you. I would also ask for a copy of the schedule F and download it off the internet and fill it out to your satisfaction. You now have some options. Hope this helps.