chapter 7--schedule f

What is the name of your state? new york
ok..i'll ask again..posted this question friday but only got response to the question i had asked earlier...please help...on schedule f, the box are set up for 1 acct # and one creditor, however all my accounts are now in collection. i have been told to list both the original creditor as well as the collection agency. how do i do this properly..do i list the original creditor in one box and the collection agency in the one that follows...and how do i denote the relationship between the two? please help..thanks

I am in PA......getting ready to file and I, too would like an answer to that question**************..I also have accounts that are in collections and am wondering how to fill out that form**************..someone please help us**************....

[Ladynred]

duplicate post.

i am fully aware that this a duplicate post...now 4 days since the original without a response providing me any direction....does this mean no one has the answer? i am sorry to have to ask twice but i really need the answer...i have collected all the info i need and need direction in properly filling out these forms...thank you.

chazz**************...I found this answer for us**************....I didn't see that Ladynred had already answered this when I also asked the same question**************.

opps**************.forgot to include the answer**************.

"You don't have to denote any relationship between original creditors and collections. As for how you list all of them, there are continuation sheets that you can use, just list all of them each in their own box."

if i show no relationship between the original creditor and the collection agency i will be listing the same debt twice effectively doubling the amount of debt from which i am seeking relief...that makes no sense....does it?!

[Ladynred]

Chaz.. if your original post wasn't answered, it was not necessary to re-post, all you had to do was edit it or bump it up by adding another reply of your own to your original thread. As you can clearly see, this board gets a LOT of traffic and posts scroll off the first page very quickly, so your original post may have been missed. Just bump it.. don't re-post.

I also have a suggestion to make. Go spend $30 on the NOLO press book "How to File Chapter 7 Bankruptcy", it will answer 99% of your questions. You're already freaking out over little things on the forms and that's understandable, but if you're doing this Pro Se, you're going to be totally plowed under with legalities and paperwork once you get your case filed. Even if you're using a lawyer, this book is a good thing to have. It explains just about everything and tells you how to fill out the forms line by line.

by adding the "collection agency for above account/account#" they will be able to tell it is the same debt**************..Just remember that when you add up your debt, to only take the amount from the collection agency since it most often is higher due to penalties and fees

[Ladynred]

You add it ALL up, not just the collection agencies. I know this will look like you're doubling or tripling your debt, but it doesn't matter, list them all, tally them all.

bought the book by nolo press....very helpful..thanks. my next question is this..still owe money to the bank on my car...which schedule do i list this on and should i contact the bank to let them know i am filing and reaffirm our terms? the car has over 150k on it and they would never get whats owed on it if they repossess...my payments on the car are up to date...this is the last question before i file this week..thanks for your help

[Ladynred]

Glad to hear you got the book, its very good to have.

As for the car loan, it is a SECURED loan, so it goes on another schedule. Don't contact the bank, once you file, the bank will send you the reaffirmation papers.

As long as you're up to date, there's little danger of a repo.