Listing Your Creditors
The most important rule in filling out the next section is that you try to list every debt you owe. I will pull a bankruptcy specific credit report which will contain most, if not all of your creditors, I will cross check this report with the list that you provide. Please do your best to try to list all your debts. The law says that even if you forget to list a creditor, the money you owe them is still wiped out. Listing a debt does not automatically mean you want to discharge that debt. Many debts you will want to keep, such as a mortgage or car loan. The debt must still be listed so that the trustee can see your whole financial picture. On the following pages, list the FULL NAME AND ADDRESS, INCLUDING THE ZIP CODE of each of your creditors. In the alternative to listing each debt individually, you may provide my office with all collection letters, credit card statements, medical bills, summons & complaints, judgments, etc. YOU MUST LIST ALL PERSONS AND COMPANIES YOU OWE MONEY TO EVEN IF YOU WANT TO KEEP THE DEBT. This includes your obligations under a car lease, apartment lease, car loans, home mortgages, furniture financing, etc. If an account has been turned over to a collection agency or attorney, please list the name and address of both the creditor and the name and address of the collection agency or attorney. This ensures notices will be sent to both agencies to stop them from harassing you. If you are a co-signer for someone on a particular debt, be sure to list this also. If you have a co-signer on a debt, note this in the reason for debt section.