Ugh. Zombie creditor just crawled out of the woodwork.
This is kind of weird. About a 152 years ago, my ex and I had a business, under which we financed a small piece of undeveloped property. Well, before the divorce, the business was dissolved, and the property was surrendered back to the developers/sellers. The business didn't have any other assets or debts or open accounts, because it was primarily a consultancy created for a specific corporate contract, which we completed. The business really didn't have much purpose beyond that. We kept it "alive" for a while only in case of another contract of that magnitude, which never happened. I don't even remember why we were buying that property, or why it was done under the name of the business. Or even why it was financed at that time, and not paid in full with cash. Back then we would have had the cash to buy it outright.
Anyway, all of this occurred before the look back period - - asked and answered truthfully at my 341 - - and I didn't even think to list it in my schedules, besides thinking it was simply a dead moot issue, it didn't happen within the time frame I was asked about. By the time I filed my bk, this was really ancient history.
But now I am getting collection notices about that property debt addressed to that business, at my address (which I think is kind of odd) for about 5 times what I remember the amount of the initial cost/value of the property was to begin with.
It was so long ago, I can't even remember if I or he signed the paperwork as a principal for the business, or many of the details of the transaction, except that I know it wasn't a huge sum of money, and I don't believe the loan was personally guaranteed by either one of us - - at least not to my recollection.
I don't know what the appropriate response is to this collection notice, because it is not addressed to me personally. It's addressed to the business, which no longer exists. If this was addressed to me personally, I would know exactly what to do, but since it is not addressed to me personally I'm stumped and looking for some guidance.
I don't even know if a DV letter is appropriate in this circumstance. And I don't know if I need to add this creditor to my Ch 13 or not. I want to put it to bed, but am not sure how to proceed.
Help?
Anyway, all of this occurred before the look back period - - asked and answered truthfully at my 341 - - and I didn't even think to list it in my schedules, besides thinking it was simply a dead moot issue, it didn't happen within the time frame I was asked about. By the time I filed my bk, this was really ancient history.
But now I am getting collection notices about that property debt addressed to that business, at my address (which I think is kind of odd) for about 5 times what I remember the amount of the initial cost/value of the property was to begin with.
It was so long ago, I can't even remember if I or he signed the paperwork as a principal for the business, or many of the details of the transaction, except that I know it wasn't a huge sum of money, and I don't believe the loan was personally guaranteed by either one of us - - at least not to my recollection.
I don't know what the appropriate response is to this collection notice, because it is not addressed to me personally. It's addressed to the business, which no longer exists. If this was addressed to me personally, I would know exactly what to do, but since it is not addressed to me personally I'm stumped and looking for some guidance.
I don't even know if a DV letter is appropriate in this circumstance. And I don't know if I need to add this creditor to my Ch 13 or not. I want to put it to bed, but am not sure how to proceed.
Help?
Bankruptcy Wizard
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