Announcement

Collapse

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

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Adding Unsecured Creditors to Chapter 7

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Adding Unsecured Creditors to Chapter 7

    Good evening all,

    I found 4 creditors that I left off my original creditor matrix and received 3 medical bills within the last week. My 341 meeting is Thursday 2/13 (weather permitting). I have filed Chapter 7 and have no assets. Should I do the amendment and get them added or just wait until discharge and mail them a certified copy of the discharge order? I would prefer to circumvent the $36 fee as I was able to successfully win a waiver of the filing fee.

    Thanks in advance,
    Vibrant

  • #2
    You need to amend your petition and Mailing Matix, or those creditors are not properly notified of your "suggestion of Bankruptcy", and that is against the law.

    As for the medical bills--if they were for follow-up appointments for something that happened PRIOR to the filing date, then include them. If the medical bills are for something that happened AFTER you filed, then you own that debt.

    So sorry, but once you file, have a date, and case number, your financial picture is how it looks on the day you filed. You cannot add a new debt, once you have filed. That is why I asked about your medical situation. I should say that you can do anything you want to, after you filed. It's probably not wise, and I recommend living on a cash basis. But once you file and are discharged, the cc companies crawl out of any wall socket they can, because they KNOW you are not able to file a CH7 again for eight years.

    I do not remember if you filed pro se or not, but if you are pro se, go to your local BK Court with a new type-written (or computer generated) paper with your amendments to the Mailing Matix. That should be a relatively low amount, say $26.00, or so.
    Last edited by AngelinaCat; 02-11-2014, 09:44 PM. Reason: added some more info.
    "To go bravely forward is to invite a miracle."

    "Worry is the darkroom where negatives are formed."

    Comment


    • #3
      Angelina Cat, thank you so much for your reply.

      Originally posted by AngelinaCat View Post
      You need to amend your petition and Mailing Matix, or those creditors are not properly notified of your "suggestion of Bankruptcy", and that is against the law.

      As for the medical bills--if they were for follow-up appointments for something that happened PRIOR to the filing date, then include them. If the medical bills are for something that happened AFTER you filed, then you own that debt.

      So sorry, but once you file, have a date, and case number, your financial picture is how it looks on the day you filed. You cannot add a new debt, once you have filed. That is why I asked about your medical situation. I should say that you can do anything you want to, after you filed. It's probably not wise, and I recommend living on a cash basis. But once you file and are discharged, the cc companies crawl out of any wall socket they can, because they KNOW you are not able to file a CH7 again for eight years.
      The medical bills were prior to filing bankruptcy, but I didn't receive the bill until after filing as they filed for payment with my insurance company. It took over a month for them to send me the invoices for what insurance did not cover. In all, I have to add 7 creditors - 5 medical and 2 utilities. All incurred prior to filing and I have not incurred any debt since. I've been living on a cash basis for the last 6 months and been unemployed for the last 2.5.

      Originally posted by AngelinaCat View Post
      I do not remember if you filed pro se or not, but if you are pro se, go to your local BK Court with a new type-written (or computer generated) paper with your amendments to the Mailing Matix. That should be a relatively low amount, say $26.00, or so.
      Yes, I did file pro se and have followed the local rules in relation to adding the creditors.

      I have two additional questions regarding this topic:

      1. Do I just mail the 'Notice to Creditors(s) (RE Amendment) and a copy of the 'Notice of Meeting of Creditors'? Or, are there any additional forms I need to include. Neither the national or local rules made that clear. I plan on sending the notices and paying the additional fee at the Post Office for a Certificate of Mailing.

      2. At the bottom of the Amendment Cover Sheet that is required per my local rules, there is statement: "Pursuant to Federal Rule of Bankruptcy Procedure 1009(a) and Local Rule 1009-1, I certify that notice of the filing of the amendment(s) checked above has been given this date to the United States Trustee, the trustee in this case, and to any and all entities affected by the amendment as follows: _______ " Does that blank line ask for how the affected parties were notified? I was unclear and unable to find anything about it in the NOLO book.

      Comment


      • #4
        I think the blank line is for the names and addresses of who you notified. But, I'd also include how you notified them just to be sure.

        ETA: Did you read the 2 rules to see if they help?
        LadyInTheRed is in the black!
        Filed Chap 13 April 2010. Discharged May 2015.
        $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

        Comment


        • #5
          Yes, pay the $36 fee--which is only a one-time charge, not a "per-creditor" charge--and add the creditors to your schedules and mailing matrix. Although you might be able to get away with sending them a copy of the discharge order later, why take a chance that the creditors will continue to torpedo your credit rating, harass you with collections calls, etc? Just do it the right way.

          Comment

          Unconfigured Ad Widget

          Collapse
          Working...
          X