Old creditors

[oyecisco]

What is the name of your state? California
I'm filing Ch 7 soon; I have a few recent credit cards for which I have all the necessary info (acct numbers, addresses, etc.) plus a few very old credit cards which have long since been charged off, assigned or sold to third parties, etc. for which I have no paperwork (tossed it all years ago) and for which I still occasionally receive collection notices and such. Question is: When I list creditors on my filing papers, do I include these old creditors even though I can't provide account numbers and outstanding balances? I read a previous post that said that in a no-asset Ch 7 case even unnamed creditors are considered discharged. So: Do I list them? Thanks in advance for your help.

[Ladynred]

When I list creditors on my filing papers, do I include these old creditors even though I can't provide account numbers and outstanding balances?

You could do either. The safest thing would be to list them ALL.

However, if they went bad more than 4 years ago, the Statute of Limitations has expired and you could pretty easily get rid of any bottom-feeding collectors that come sniffing around.

You're also in the 9th Circuit, and they have ruled that even an ulisted debt is considered discharged in a no-asset Ch 7 case.