Listing creditors question~

[CAB_44]

Hey~ does anyone know if I have to list creditors that I have accounts on but there is a ZERO balance, I am not anticipating owing them...examples would be Dr.'s, a local builders supply,Gap card, Victoria's Secret card....I have accounts on these, but do not and haven't owed them money in a long time .... please help ASAP, I'm filling out forms as I write..... thanks!

[Princesskina]

I asked the same question and u list everyone U owe... U dont owe them or dont plan so dont add them. U need to list everyone u OWE money to.

[lrprn]

Hey~ does anyone know if I have to list creditors that I have accounts on but there is a ZERO balance, I am not anticipating owing them...examples would be Dr.'s, a local builders supply,Gap card, Victoria's Secret card....I have accounts on these, but do not and haven't owed them money in a long time .... please help ASAP, I'm filling out forms as I write..... thanks!

CAB, if you are *absolutely certain* that you don't owe even one of these creditors any money (for example, you have a monthly account mailing from each showing a zero owed $ balance and no late fees owed), then Princess is right - you don't have to list them. However, if you have any uncertainty at all, list the creditor!

[CAB_44]

thanks!!

[aa06a47]

Most attorney's will want to pull your credit report just to make sure every creditor is listed. If I had it to do all over again, I would have closed any accounts that had zero balance prior to filing BK....reason...instead of them showing as closed by creditor, it would show closed by debtor. Since you cannot use credit cards while in a chapter 13, I think it would help to have the accounts closed by "me" instead of them.

[GoingUnderInNV]

Just spoke to my attorney today, and he said there's no need to list zero balance cards and accounts. I just wanted to cover all my bases and ask that...

[CAB_44]

thanks GUINV !!!!