Unable to find info for schedule F

[crackedmuse]

My apologies. I will do so. Thanks

[mountanddo]

crackedmuse, you should start a new thread rather than posting in a thread that is 6 months old. It's confusing to follow and read through old threads to get to your question.

[crackedmuse]

I am filing in about 2 weeks and have a question about creditor addresses. I have 2 Amex cards (personal accounts), 1 Chase (visa) and 2 Citibank (MC and visa). I have received written correspondence from Amex, Chase and one of the Citibank accounts. (Standard, please call us to arrange payment or we will be reporting you to the credit bureaus letters). Am I correct to assume that listing the company addresses on these letters is sufficient for Schedule F, and that any other addresses I have can go on the mailing matrix?

In reality, the only address I'm confused about is the Citibank Visa, as the addresses for the others are consistent on statements and credit reports. But the Citi Visa has a zillion variations, although the last statement lists Citibank N.A. in South Dakota as the current address for all Citi card products. I am so confused.

Does anyone have the correct bankruptcy notification addresses for these companies? I assume most filers are bankrupting against one, if not all of these companies. I am in California, Central District. Can anyone post the addresses used on Schedule F, or tell me the best way to find out what the correct address is?

Thanks so much for any assistance.

[pippen2012]

Iamold,

My understanding is that if you are above the median income for your state then you move on to the 60x a month of disposable income. You should take a very hard look at the means test yourself. If you think that you are borderline then you should get a second opinion from another attorney who has a reputation for fighting for a 7. An attorney will make more on a 13 than a 7 so you want to be vigilant about doing the right thing. Be your own advocate about shopping an attorney as the difference between a 7 and 13 is extensive. In my divorce there was an attorney who wanted to "fight" for more. You should be wary.

[tobee43]

Thank all of you for all of the great advice. I listed each debt to about 150% of what had been posted on my credit report when the cc accounts were sold. There is no way that anyone can say that I did not make a good faith effort ecspecially when the pending legal fees were in no way available to me.

Filed it Yesterday

Thank you all again,

Pippen

BEST of luck to you!! and keep us all informed on your progress!! you'll do fine..

[IamOld]

thanks!!!!

THANKS!!! ACtually I'm with a lawyer already - I just want to be ahead of the curve so to speak!!!! No there has been no lawyer fees awarded and if 13 is filed before this thing goes to court there won't be!!!

But as I understand, only student loans and secureds that you pay outside of 13 plan accrue interest during the loan.

Believe me...NO problem :-) with 25% test! But alas I make "too much" for 7...

If the debt has not been sold from the credit card company then there could be no legal fees acrued as an attourney has not had opportunity to look at the case and bill you. Are you stuck on the 60 months for 25% portion of the means test? If so I think you should be able to add on interest that they will surely charge you according to your credit card agreement. This would be a great question to bring to a free consultation with an attorney. The best advice I have gotten from someone listed as a wizard on this website was to take a difficult question to five free consultations with bankruptcy attorneys in my district. Also, some districts will put on free clinics for pro se filers. I definately think you should take advantage of these resources. In my case I would have passes the means test even with the principle amounts with no interest or attorney fees added. My point was to make sure that the total amount was discharged. If you are right at the dividing line of 7 or thirteen you should find out exactly what you can put on schedule F as you do not want to be accused of inflating your debt to pass the means test. The worst thing you can do is be accused of fudging in your favor. Don't feel guilty on taking the free consultation. Find out from someone who is an authority.

[pippen2012]

If the debt has not been sold from the credit card company then there could be no legal fees acrued as an attourney has not had opportunity to look at the case and bill you. Are you stuck on the 60 months for 25% portion of the means test? If so I think you should be able to add on interest that they will surely charge you according to your credit card agreement. This would be a great question to bring to a free consultation with an attorney. The best advice I have gotten from someone listed as a wizard on this website was to take a difficult question to five free consultations with bankruptcy attorneys in my district. Also, some districts will put on free clinics for pro se filers. I definately think you should take advantage of these resources. In my case I would have passes the means test even with the principle amounts with no interest or attorney fees added. My point was to make sure that the total amount was discharged. If you are right at the dividing line of 7 or thirteen you should find out exactly what you can put on schedule F as you do not want to be accused of inflating your debt to pass the means test. The worst thing you can do is be accused of fudging in your favor. Don't feel guilty on taking the free consultation. Find out from someone who is an authority.

[IamOld]

The advice I recieved was to attempt to list the entire debt at the time of the filing. If they have already listed a debt of legal fees you should list those fees as well or make a good estimate. I included an estimate of accrued interest since the time of the account sale to the collector. It may not matter. It may be that all of the debt is dismissed anyway. However, you have nothing to lose by listing everything they have already claimed and making the best estimate you possibly can for the rest. You can check legal documents for their civil suit against you to get that information. You want it all discharged right?

THanks!!!! BUT in my case we're right up against the Ch 13 limit and every penny can make a difference...in my case the debt hasn't been sold and amount owed to creditor is $14,000 - the lawsuit has NOT come to court yet, there is NO judgment yet - so as of right now, I'm thinking that's not a debt, as there is no legal contract making me owe that so to speak...after all, theoretically there is no debt other than the original, I'm thinking, as if the filing gets done BEFORE the case comes to court I don't owe the law firm, I just owe the original debt - there has been no judgment awarding them legal fees...

What do you think?

[IamOld]

The advice I recieved was to attempt to list the entire debt at the time of the filing. If they have already listed a debt of legal fees you should list those fees as well or make a good estimate. I included an estimate of accrued interest since the time of the account sale to the collector. It may not matter. It may be that all of the debt is dismissed anyway. However, you have nothing to lose by listing everything they have already claimed and making the best estimate you possibly can for the rest. You can check legal documents for their civil suit against you to get that information. You want it all discharged right?

THanks!!!! BUT in my case we're right up against the Ch 13 limit and every penny can make a difference...in my case the debt hasn't been sold and amount owed to creditor is $14,000 - the lawsuit has NOT come to court yet, there is NO judgment yet - so as of right now, I'm thinking that's not a debt, as there is no legal contract making me owe that so to speak...after all, theoretically there is no debt other than the original, I'm thinking, as if the filing gets done BEFORE the case comes to court I don't owe the law firm, I just owe the original debt - there has been no judgment awarding them legal fees...

What do you think?

[pippen2012]

The advice I recieved was to attempt to list the entire debt at the time of the filing. If they have already listed a debt of legal fees you should list those fees as well or make a good estimate. I included an estimate of accrued interest since the time of the account sale to the collector. It may not matter. It may be that all of the debt is dismissed anyway. However, you have nothing to lose by listing everything they have already claimed and making the best estimate you possibly can for the rest. You can check legal documents for their civil suit against you to get that information. You want it all discharged right?

[IamOld]

CONGRATULATIONS!!!!!!!!

May I again intrude with a question - I have an usecured creditor whose balance is $14000 - they are presently suing (but it hasn't gone to court yet) and debt has NOT been sold BUT law firm wants the $14K balance plus their $3,000 in legal fees IF they win judgement.

May I presume that the listing if I file this before judgement that need to list ONLY the outstanding balance NOT the legal fees as they have not been awarded that???????

Thank all of you for all of the great advice. I listed each debt to about 150% of what had been posted on my credit report when the cc accounts were sold. There is no way that anyone can say that I did not make a good faith effort ecspecially when the pending legal fees were in no way available to me.

Filed it Yesterday

Thank you all again,

Pippen

[pippen2012]

Thank all of you for all of the great advice. I listed each debt to about 150% of what had been posted on my credit report when the cc accounts were sold. There is no way that anyone can say that I did not make a good faith effort ecspecially when the pending legal fees were in no way available to me.

Filed it Yesterday

Thank you all again,

Pippen

[tigergem]

No, I don't think I have the worst trustee ever. He is a real stickler for details, but with that understanding, his insight has actually served me well. With the full realization that he is not my friend, I consider him to be a very worthy opponent. I have a great deal of respect for him, and for that matter, I think he is even a like-able guy, even if he drives me crazy from time to time.

[tobee43]

yeah really lol! But remember, this was the same trustee who made me amend my expenses after my 341 for a NET CHANGE of less than $5.00 per month. (My phone bill had gone down just a little, but my insurance had gone up just a little lol.)

For the most part you are correct in that "it doesn't matter", but I believe you have to make a good faith effort to be correct and thorough, and also be prepared in case your trustee is as "detail oriented" as mine is. ;-)

NO!! come on...what the heck is that about making anyone adjust anything for $5. you must have had the most awful trustee ever...so sorry!!

and i have heard horror stories about some of the trustees picking at everything, so you're so right, you just need to be prepared for the worse and be ready!!

[tigergem]

yeah really lol! But remember, this was the same trustee who made me amend my expenses after my 341 for a NET CHANGE of less than $5.00 per month. (My phone bill had gone down just a little, but my insurance had gone up just a little lol.)

For the most part you are correct in that "it doesn't matter", but I believe you have to make a good faith effort to be correct and thorough, and also be prepared in case your trustee is as "detail oriented" as mine is. ;-)