Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

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Fining all of my Creditors

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  • Fining all of my Creditors

    I'm disabled and trying to file a chapter 7 pro se. This is turning out to be more difficult than I thought and I can understand why Lawyers charge so much now. Anyway, I only became disabled a couple of years ago and things have gone to heck in a short time. Most of my debt is in the form of medical bills, but I have some outstanding other stuff. My problem is finding them so I can include everything. I have pulled all of my credit reports, but I'm not sure if everything is listed there. Because I have been disabled and on SSDI, I haven't had any money to pay so I have been foolishly filing most of the bills and collection notices in the WB. Now, that system of filing has come back to haunt me because I don't know everyone I owe money to.

    My question is, is there a way to find any or all of these companies? The ones that aren't listed on my credit reports, that is...

  • #2
    On my free “self-help” consult with a volunteer lawyer yesterday, she suggested calling the medical centers and hospitals that treated me and getting the records. Then, plow through those and list every doctor’s name, using the internet to find addresses. If unsuccessful, list the hospital names and addresses then their debt as unknown. If it is a “no-asset” case, then the debts are generally discharged. If a creditor or collection agency shows up after the case is closed, send em a copy of the bankruptcy paperwork. That should get them to go away.


    • #3
      Thank you for the reply. I have never had to do anything like this and I have plenty of lawyers who are willing to talk to me, but as soon as they realize that there isn't any money in it for them, I'm usually ushered out the door. My state bar and legal assistance centers do not offer help to persons trying to file for bankruptcy, unless you are being evicted or your home is being foreclosed on. Well, I don't own a home and my rent is the first thing I pay out of the SSDI I receive every month. So I guess I am on my own with this.

      Anyway, this is a journey on many levels. I have quickly learned that the documentation required to file something like this is tedious and absurd. Paper reduction act, my keeester... I have read and tried to educate myself as much as possible. I then filled out the paperwork and was turned away at the court for doing it incorrectly. So I have gone back and started from square one again. Then I, on my own, realized that I messed up again. I'm about to embark a third time and hopefully last time on this. I just want to make sure I have it right this time.


      • #4
        See if your local court has a self help center. Set up a time to see them right before filing. The volunteers can review your paperwork immediately before filing, thus ensuring it is right before turning it in. You can make needed changes on the spot, even if you have to hand-write a page or two.


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