Am I freaking out for no reason?

[SubPrimeME]

The only asset that the considered was my tax return... 2000 dollars. All else was abandoned. He said he didn't care about my credit reports, but I want to ensure that everything that I owe was included. We shall see. he has yet to respond to my request to verify that the accounts that I provided were or were not included correctly.

Nice, I think there needs to be a quality grade outside of the atty's offices, kinda like restuarants were required to have. I swear so much of what I read on this forum is from atty's just being lazy, not caring or being stupid. I know there are plenty of great atty's out there, but still how does one really know what they are getting?! OK done ranting now...

[BrokeAzzez]

The only asset that the considered was my tax return... 2000 dollars. All else was abandoned. He said he didn't care about my credit reports, but I want to ensure that everything that I owe was included. We shall see. he has yet to respond to my request to verify that the accounts that I provided were or were not included correctly.

[Help!]

I don't have an answer as my creditor matrix was probably the only part of the petition that was accurate. I don't know what your liability is for those debts, but I would add any missing creditors ASAP since it's an asset case.

[SubPrimeME]

I give up ***Throwing hands in the the air*** meeting with attorney on Friday to spend yet more money to get these accounts added in before this closes. Cross my fingers that a second amendment might get it all.

I think that the atty's should pull a credit report with you, and go line by line. My atty wanted nothing to do with that, but I think it would help a lot.

[BrokeAzzez]

I give up ***Throwing hands in the the air*** meeting with attorney on Friday to spend yet more money to get these accounts added in before this closes. Cross my fingers that a second amendment might get it all.

[BrokeAzzez]

These are not showing up on the matrix but were on the schedules. The only reason I am looking at the credit reports is that's where I got all this stuff from in the first place. Everythign on my credit report should have been included in the bankruptcy....

[shabam]

Ok, so I double triple checked our original schedule as well as our amended (he jacked that one up too) and I see these accounts are on there however they aren't showing on the creditor matrix or the notice of recipients....am I correct in assuming then that they weren't notified? There are two that are not anywhere as well.

Definitely a possibility. The matrix is all that counts.

Don't worry about the credit report let alone what is on it yet. You have years to look at that. After all bk is on your CR record for 10 years.

[shabam]

Sorry, I pulled our credit reports to ensure that everything on there was indeed filed...I had a bad feeling (due to errors on attorney's part) that some stuff just didn't get included and I decided to cross reference. I know that nothing regarding the BK will show up on the credit reports yet, but I want to have them handy so I can get ready to get them updated later down the road. Sorry If I'm going to two differnet directions, I'm just really frustrated and tired of doing all the work when I paid this guy to handle this stuff.

Forget about your credit report. It means nothing to BK.

You need to look at your actual filing, your matrix, via pacer. If they are not on the matrix then they are probably not listed.

[BrokeAzzez]

Ok, so I double triple checked our original schedule as well as our amended (he jacked that one up too) and I see these accounts are on there however they aren't showing on the creditor matrix or the notice of recipients....am I correct in assuming then that they weren't notified? There are two that are not anywhere as well.

[SubPrimeME]

It is crucial for the debtor to include all creditors in his schedules filed with the court. If a debtor knows of the creditor and does not schedule him, the creditor is denied participation in any distribution; to protect the creditor from this type of problem, the code provides that unscheduled claims may be non-dischargeable.

I just read this somewhere......

This makes much more sense then what other's have said. Help! or others, can you chime in on this?

[BrokeAzzez]

It is crucial for the debtor to include all creditors in his schedules filed with the court. If a debtor knows of the creditor and does not schedule him, the creditor is denied participation in any distribution; to protect the creditor from this type of problem, the code provides that unscheduled claims may be non-dischargeable.

I just read this somewhere......

[BrokeAzzez]

your credit reports is not a legal document. IF you were chapter 7 no asset and you forgot to include something. It is discharged with everything else. your CR is easy to fix jsut dispute the items that are not IIB. after you have your discharge make sure everything says discharged.


This doesn't make sense, so if there was somethign that I wanted to re-affirm then it would be discharged anyway? I'm confused.

[BrokeAzzez]

I don't know...mine wants 100 dollars! Why should I pay him to add something that is taken care of anyway?

[SubPrimeME]

your credit reports is not a legal document. IF you were chapter 7 no asset and you forgot to include something. It is discharged with everything else. your CR is easy to fix jsut dispute the items that are not IIB. after you have your discharge make sure everything says discharged.

Nice, so my 50 bucks I just spent with my atty to add a creditor was BS?!? Great.... I supposed they could have sold me a bridge in Hawaii too... I am a CHUMP!

[BrokeAzzez]

We are Chpt 7 but we were changed to Asset case due to a tax refund...that was the only asset they took. So even if we or him forgot to include something it's been discharged? That just seems too good to be true?