Legal Question in Bankruptcy in New York
Bankruptcy Creditors List - Who do I list and who do i not have to list?
I will be declaring bankruptcy soon. I have about 12 credit card accounts the debts with whom i hope to discharge throught he bankruptcy. However, many of these card companies have already sold the debt to other credit agencies. My question is: do i have to include all the credit card companies in my list of creditors AS WELL AS the credit agencies they sold my debt to or can i just include the original creditors I established debt with initially? In other words, if my debt is originally with credit card A and they decide to sell that debt to credit agency B, do i have to include both credit card A AND credit agency B in my list of creditors? What happens if i include credit agency B on my list of creditors and then after i included them they immediately sell my debt to credit agency C? Would this mean that the debt with credit agency C is not discharged because credit agency C is not on my list of creditors? Also, if you could give me some tips on possible pitfalls to declaring bankruptcy on my own, i will greatly appreciate it. What tricks will my creditors try to pull on me once they discover I will be declaring bankruptcy? Should I hire an Attorney? What value will an attorney provide that i can't provide on my own?
2 Answers from Attorneys
Re: Bankruptcy Creditors List - Who do I list and who do i not have to list?
You need to consult with an experienced bankruptcy Attorney.
Your Bankruptcy Case is too important for you to lose on your own.
Please review my website and download the Bankruptcy checklist and call me.
Jacob Silver
Attorney At Law
1225 Franklin Avenue
Suite 325
Garden City, NY 11530
www.lidebtlawyer.com
Re: Bankruptcy Creditors List - Who do I list and who do i not have to list?
If you send me an e-mail (to [email protected]) I will send you back a free brochure we have prepared called: "Things to Consider When Thinking About Filing a Personal Bankruptcy Case" that addresses the following questions:
1. Why Do I Need An Attorney -- Can't I represent myself?,
2. Why Do I Need An Attorney -- Can't I Just Hire a Paralegal for a Lot Less Money?,
3. If I Hire a Lawyer to File Bankruptcy, What Should I Expect Him or Her to Do For Me?,
4. How Much Should It Cost to Hire a Lawyer to File Bankruptcy?
You SHOULD consult with an experienced bankruptcy attorney that regularly practices in the district where you would be filing. Bankruptcy is not an appropriate topic for a "Do It Yourself" project. Particularly since the changes to the Bankruptcy Code in 2005, there are many traps for the unwary and chances to get your case dismissed for doing something wrong.
You want to make sure that you hire an attorney who caries malpractice insurance and isn't the subject of ethical complaints with the State Bar authorities.
Check out our website for futher information about bankruptcy at: www.starrandstarr.com/faq.htm.
Feel free to contact me at 8888678165 for a no-obligation initial consultation.
Good luck,
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