Transferred/Sold Accounts $0 Balance

[cyn5]

This question probably has been answered already..my apologies if it is a repeat (tried looking through the different threads!).

I was just looking at my credit report, adding up all my debt and all of that good stuff and I have several accounts that I guess were written off and are showing a zero balance and "transferred/sold", but the new company or collector is not showing up as owning that debt yet.

How are these types of accounts listed on the bankruptcy paperwork? I do not know what the balances currently are, so I am wondering how this is handled? I am very interested in this because we are above the unsecured debt limits of $336k to file ch 13 and will be filing ch 7, but if it looks like we owe less due to these sold accounts, I am thinking we might now be able to qualify for ch 13! What do you all think? I am bringing all our paperwork to our lawyer next week and will also ask her about it. I just seem to remember from our first meeting that she goes off of our credit reports and then will list anything else we give her separately.

A few of these are some private student loans that I have defaulted on, and since ALL student loans are not dischargable, it does not matter to me if they are listed or not. I am just thinking it would help us qualify for a ch 13 to fall beneath the debt limit.

How do the trustees determine what your unsecure debt is anyways? Do they get a copy of your credit report when you file?

[UpsideDownMI]

Your debt has been sold to a debt collector. Go thru all of your bills and collection letters that you have received in the mail and try to cross reference your accounts. If you can't find this info, contact you original creditor and ask for your current balance and the names and contact information of any debt collectors that they have sold or assigned your account to.

If your creditor transferred or sold your account to another creditor it does not mean that you now owe nothing (although that would be awesome). Whoever the account was transferred or sold to will almost certainly maintain the same balance that your original creditor did.

[cyn5]

Thanks, I understand that it doesn't mean I don't owe that money, but I am wondering how it is listed on the bk paperwork since it technically help us file ch 13 so that we are under the unsecured debt limit. Otherwise, we will have to file an above means ch 7, hoping that our lawyer can make a good case as to why we have to file ch 7 and are inelligible to file ch 13. I would prefer to actually do the 13 so that our student loans are put at bay for 5 years, but if need be, we will just file ch 7 and deal with our student loans separately. Ugh!