{"id":323,"date":"2013-04-11T14:37:35","date_gmt":"2013-04-11T14:37:35","guid":{"rendered":"http:\/\/bankruptcyattorneystl.com\/?p=323"},"modified":"2013-04-11T14:37:35","modified_gmt":"2013-04-11T14:37:35","slug":"do-you-have-to-list-every-creditor-you-have-on-your-bankruptcy-petition","status":"publish","type":"post","link":"http:\/\/bankruptcyattorneystl.com\/?p=323","title":{"rendered":"Do you have to List Every Creditor you Have on Your Bankruptcy Petition?"},"content":{"rendered":"

When preparing to file for bankruptcy, people often wonder which creditors they are supposed to list on their petitions, and which ones they should leave out.\u00a0 This confusion often comes from individuals assuming that if a debt cannot be discharged it does not need to be listed; they often think, “why bother listing it?”\u00a0 However, when listing creditors for your bankruptcy petition, you almost always want to list every single creditor you have, regardless of if it will be able to be discharged through the bankruptcy or not.\u00a0 The only exception to this rule would be if you do not owe the creditor anything anymore, or have a zero balance with them.\u00a0 (*If you have several accounts with zero balances on them that appear on your credit report, you may want to consider closing these accounts out.\u00a0 It will help to prevent any fees, clean up your credit, and be a good first step toward rebuilding your credit).<\/p>\n

Making sure to list every creditor you have on your bankruptcy petition is a very important step in the bankruptcy process.\u00a0 When listing these creditors, it is imperative that you provide the creditor’s name and correct mailing address.\u00a0 This will ensure that your creditor receives notice of your bankruptcy filing.\u00a0 When a creditor receives notice of your bankruptcy, they must stop contacting you immediately. This will provide you, as the debtor, much needed relief from harassing collection efforts. \u00a0In addition to the creditor’s name and address, it is also important to list your account number with them, the date you incurred the debt, and the amount you owe them as well.\u00a0 This will assist your creditor with making sure they are not contacting you regarding your specific account, and can help your attorney assist with ensuring this as well.<\/p>\n

If you happen to miss one of your creditors, and file your petition without including them, this will only be an issue if you are in a Chapter 7 case that has an asset that is going to be disbursed.\u00a0 If this happens, you can include the creditor for an additional charge. Typically, you would have to pay just a court cost charge; however, this is something to discuss with your attorney.\u00a0 If you are a “No Asset Chapter 7”, meaning you do not have any assets that are going to be disbursed to your creditors, and you do not include the creditor, the debt will still be discharged.\u00a0 (*NOTE: this is true in the Eastern District of Missouri; it may be different in another district. Check with your local bankruptcy attorney to verify the local rules in your district).<\/p>\n

If you have questions about which of your creditors should be listed, contact your local St. Louis Bankruptcy Attorney<\/a> today!<\/p>\n","protected":false},"excerpt":{"rendered":"

When preparing to file for bankruptcy, people often wonder which creditors they are supposed to list on their petitions, and which ones they should leave out.\u00a0 This confusion often comes from individuals assuming that if a debt cannot be discharged … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,24,3,8,7,9],"tags":[],"class_list":["post-323","post","type-post","status-publish","format-standard","hentry","category-automatic-stay","category-bankruptcy-filing","category-bankruptcy-general","category-chapter-7-bankruptcy","category-collection-harassment","category-discharge-of-debt"],"yoast_head":"\nDo you have to List Every Creditor you Have on Your Bankruptcy Petition? - St. Louis Bankruptcy Attorneys<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/bankruptcyattorneystl.com\/?p=323\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"St. Louis Bankruptcy Attorney\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=323#article\",\"isPartOf\":{\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=323\"},\"author\":{\"name\":\"St. Louis Bankruptcy Attorney\",\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/#\\\/schema\\\/person\\\/ffac9d6264cfaf62f3228d9b170a410b\"},\"headline\":\"Do you have to List Every Creditor you Have on Your Bankruptcy Petition?\",\"datePublished\":\"2013-04-11T14:37:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=323\"},\"wordCount\":468,\"articleSection\":[\"Automatic Stay\",\"Bankruptcy filing\",\"Bankruptcy General\",\"Chapter 7 Bankruptcy\",\"Collection Harassment\",\"Discharge of Debt\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=323\",\"url\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=323\",\"name\":\"Do you have to List Every Creditor you Have on Your Bankruptcy Petition? - St. Louis Bankruptcy Attorneys\",\"isPartOf\":{\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/#website\"},\"datePublished\":\"2013-04-11T14:37:35+00:00\",\"author\":{\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/#\\\/schema\\\/person\\\/ffac9d6264cfaf62f3228d9b170a410b\"},\"breadcrumb\":{\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=323#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=323\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/?p=323#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Do you have to List Every Creditor you Have on Your Bankruptcy Petition?\"}]},{\"@type\":\"WebSite\",\"@id\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/#website\",\"url\":\"http:\\\/\\\/bankruptcyattorneystl.com\\\/\",\"name\":\"St. Louis Bankruptcy Attorneys\",\"description\":\"by A & L, Licker Law Firm with offices in Florissant, St. Louis, Manchester, Granite City, and St. Charles. 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