How did you fill out your schedule F?

[so-beyond-broke]

Hi:

I am in need of an answer to my question. Its best to list all creditors - original and the collection agencies who took over the debts. Its best to CYA so that no one comes out of the woods later on trying to collect on a debt after your Bk has been discharged and closed. I read that although its good to list all of the creditors on the schedule F in ABC order that can't always occur. I also read that a debtor should list the original creditor first and then the collection agencies that have or are trying to collect on the debt underneath the original creditor but use ditto marks for the amount owed.

How did you list your creditors on schedule F? In my case, one of my original creditors was sears and there are about 5 collection agencies for the same account and their amounts of what I owe differ from the original debt from Sears. I guess that each CA is adding their own interest to the total amount.

Thanks,

sbb

[aa06a47]

My attorney gave me an interesting fact today. She had me pull up all 3 credit bureau reports (annualcreditreport.com) It is free to do this once per year.

She told me that usually, they are all the same, she said but in my case, all 3 were different. She took all the creditors directly off the credit reports. She said it didn't matter if I owed them zero for the last 10 years, they were on the filing just in case.

[Minnymouth]

Sounds like your attorney is working in your best interest..............