Is this common??

Date: Fri, 07/31/2009 - 14:59

Submitted by southernapostolic
on Fri, 07/31/2009 - 14:59

Posts: 302 Credits: [Donate]

Total Replies: 8

I was just gonig through my records, and scanning and categorizing statements, mostly from CA's so that I will have everything in order for my petition. I realized that there are three creditors that I have not received anything from in months. It appears that after I told BofA, Cap One, and Target that I have retained a bk attorney, they have just sat on the accounts. I have had no collection activity from any of them. It just seems strange to me, as I have read that Cap One in particular is one of the quickest to file suit. Every other account, (Dell, GE Money Bank, Citibank, Chase, Home Depot, t-Mobile. and World Omni), have all sent my accounts through at least one collection agency. A couple of them have even b een through three or four. I have not pulled my credit report. I am waiting until closer to filing, for the free copies. I am not real lconcerned, just a little confused by the fact that there is not collection activity on over $14000 of debt.

reply

if they are included in your petition.they are probably planning on attending the meeting of creditors and contest the BK.

lrhall41

Submitted by paulmergel on Fri, 07/31/2009 - 15:02

( Posts: 15514 | Credits: )

I have to disagree, when we filed bankruptcy not one creditor sh

I have to disagree, when we filed bankruptcy not one creditor showed up for the meeting of creditors. If southernapostolic meets all the criteria for filing BK. Why would the they show up?

lrhall41

Submitted by on Wed, 08/12/2009 - 13:22

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the 14,000.00 debt.they aren't just going to walk away from that.besides,there was no mention of him filing yet.

lrhall41

Submitted by paulmergel on Wed, 08/12/2009 - 13:27

( Posts: 15514 | Credits: )

When we filed bankruptcy we had one creditor show up that was Se

When we filed bankruptcy we had one creditor show up that was Sears. and we didn't owe them that much they justed want to make it clear that if we included we could never again apply for a credit card through them.

lrhall41

Submitted by marysplace2 on Wed, 08/12/2009 - 13:31

( Posts: 110 | Credits: )

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if southern's lawyer already was contacted by these creditors...maybe,but 14,000.00 is alot to just blow off.

lrhall41

Submitted by paulmergel on Wed, 08/12/2009 - 13:41

( Posts: 15514 | Credits: )

I agree 14,000.00 is alot just to walk away from.

lrhall41

Submitted by marysplace2 on Wed, 08/12/2009 - 13:47

( Posts: 110 | Credits: )

In our Chap. 7 BK we owed a lot more than 14,000.00 in debt and

In our Chap. 7 BK we owed a lot more than 14,000.00 in debt and no creditors showed up to contest ours.

lrhall41

Submitted by on Thu, 08/13/2009 - 07:52

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Just for the record, I have not filed the petition yet. The dat

Just for the record, I have not filed the petition yet. The date of default was August of 2008, and I retained the attorney in November of 2008. There is no "fraudulant" activity on the accounts. None of them even had enough avaialable credit to go over the amounts that would be allowed before the filing. My lawyer does not contact the creditors. It is up to them to contact him if they want to get info, and then they will just be told that I have retained him.
It just seemed a little odd to me that they have not tried any collection activity at all in almost a year, when GE Money Bank and HSBC are constantly sending my accounts to different collectors, and I have to keep giving the new collectors the attorney's contact information.

lrhall41

Submitted by southernapostolic on Sun, 08/16/2009 - 05:08

( Posts: 302 | Credits: )