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BANKRUPTCY: Listing Unsecured Debt

On Schedule F you should always list the original creditor. Then in the box below it, give the name and address of any collection agency, indicating in the middle box: for notice purposes only. There is no limit to the number of "for notice purposes only" entries you may include for any individual debt. For example, for one single debt, the bankruptcy petition could include all of the following listings: (1) the original credit card company (2) a collections company (3) the law firm retained (4) the clerk of court where the collection just went to judgment this week. Credit card bills and credit reports often give various different addresses for a single company. Under U.S. Bankruptcy Code section 342, the address at which the creditor requests to receive correspondence is the one used on the bankruptcy schedule if, within 90 days prior to the filing date, the creditor has supplied at least 2 communications including the account number and that correspondence address. Finally, filing a bankruptcy requires thorough review of all of your debt, income and assets. Do not file a bankruptcy without retaining experienced bankruptcy counsel in your jurisdiction to guide you through the complexities of bankruptcy law and procedure.

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This guide is offered for informational purposes only. It is not offered as, and does not constitute, legal advice. Laws vary widely from state to state. You should rely only on the advice given to you during a personal consultation by a local attorney who is thoroughly familiar with state laws and the area of practice in which your concern lies.

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