IF you forget what can you do?

[iamwhoiam]

I forgot to add a few things to my BK and so did the lawyer he said he would fix it but what is the time limit to amend the bk if you forget to declare something?

Also if i forgot to add something small to my bk and i tell them i filed and what not will they be considered charged off as well since i have no assets or will i have to pay them so that they will not show up on my credit report?

[guzzie]

hello...first of all, lawer should have given you this info....you should tell him
right away you need to ammend the schedules on the petition...if you can get him the address of the creditor so he can let them know you have filed
and about the 341....unless you list all creditors you can think of on the matrix sheet, after the discharge any you omitted you may have to still
pay the debt incurred on that account....for me to ammend the petition is 26.00 per creditor plus more money for lawer...if i want to ammend my petition after the discharge and case is closed, would cost me 250.00 to reopen my case....
please do your homework over the weekend and get the info to him asap.....
best of luck to you ...guzzie

[familyof7]

Technically if you file chapter 7 and forget a creditor they will be discharged as well because it incurred before filing. But if you are still in bk tell your lawyer you need to ammend some things.

[lrprn]

I forgot to add a few things to my BK and so did the lawyer he said he would fix it but what is the time limit to amend the bk if you forget to declare something?

Usually it's ok to amend your forms before your 341 meeting. Your lawyer can confirm if that's the case in your bankruptcy district.

Also if i forgot to add something small to my bk and i tell them i filed and what not will they be considered charged off as well since i have no assets or will i have to pay them so that they will not show up on my credit report?

As Familyof7 said, most states say that if a creditor would have been discharged if they were included when you filed, then that debt is still discharged like they had been included. Ask your lawyer if your state is one of those who support this.

[iamwhoiam]

Thanks everyone i am going to just add 2 things and there are some things he forgot and said he would pay for those since he already had the info on it.

Just one other thing.

I have an online payday loan i took out about a month or 2 that never got paid because i just couldnt pay it and bofa closed my account about 3 weeks later using their terms and conditions as the reason. Now they sent me to collections saying that they are considering this internet fraud and that i cannot put this on my bk. Now I didnt close the account because i didnt want to pay them bofa closed it and sent me a letter with a check of money that i had in my account as per their agreeenment. Can i still include this on the bk or should i just make an arrangement to pay it?

[lrprn]

Thanks everyone i am going to just add 2 things and there are some things he forgot and said he would pay for those since he already had the info on it.

That's great, iamwhoiam - problem solved and you didn't have to pay any extra to get it done. Hope everything goes smoothly now for you!

[JRScott]

Thanks everyone i am going to just add 2 things and there are some things he forgot and said he would pay for those since he already had the info on it.

Just one other thing.

I have an online payday loan i took out about a month or 2 that never got paid because i just couldnt pay it and bofa closed my account about 3 weeks later using their terms and conditions as the reason. Now they sent me to collections saying that they are considering this internet fraud and that i cannot put this on my bk. Now I didnt close the account because i didnt want to pay them bofa closed it and sent me a letter with a check of money that i had in my account as per their agreeenment. Can i still include this on the bk or should i just make an arrangement to pay it?

If the original debt was incurred before your filing date then yes it can be included by amending the proper schedules. You'd have to get info to the lawyer, it is possible they might try to contest it but you can try anyway. Ask your lawyer.