Well, the last date to file claims has passed...

[GoingUnderInNV]

The last date for creditors to file claims has officially passed (Jan 22), so I think it's time to basically ask, "What's next?"

I checked PACER, and nothing has been filed since December, so no new updates there. I checked EPIQ (my trustee uses EPIQ Systems), and basically three of the four creditors (not including my attorney) filed claims. However, PACER is only reporting (according to their report) Creditors #2 and #3 on the matrix; the third doesn't show up in PACER's Claims section. Something I should be concerned about (I'd think not, but...)?

Is there an administrative period in which the fourth creditor (the biggie: $22k) can sneak in a claim, or are they SOL?

What's next? What should I be watching for?

On a side note, given that it's tax season, should I automatically send the Trustee a copy of my tax return (not expecting refund or a very small one), or is that a question for my expensive (as it turns out) attorney?

Thanks for any suggestions!
GUiNV

[HHM]

I believe the only creditor that is allowed more time to file a claim is the US Government (i.e. IRS). Otherwise, if a regular creditor has not filed a proof of claim, they are SOL.

[MajorMike]

how come they had so long to file a claim? I thought it was 90 days from when the 341 was set. When was your 341 "Set"

[MajorMike]

Ok I found this on a website from an attorney in our state:

Generally, in chapter 7, 12, and 13 cases, the deadline for filing proofs of claim is 90 days after the first date scheduled (not actually held) for the meeting of creditors held pursuant to Section 341 of the Bankruptcy Code (often referred to as the “341 Meeting”).

[rrockinggramma]

HHM is right however. The IRS and other government agencies have 180 days to file a claim. But in my case, they filed first, right after the attorney. Not all unsecured creditors will file a claim so if the one you owed 22,000 to didn't file, they are out of luck once you are discharged.