In chapter 7 bankruptcy it is very important that you identify each and every creditor that you owe money to. That is why when I prepare your case I have you bring in copies of all your:
- Lawsuit papers
- Collection letters
- IRS communications
- Divorce documents
In fact, when you get to the bankruptcy meeting of creditors each chapter 7 trustee in Cleveland will ask you under oath if you have included all of your assets and debts. This is so important. The reason is that if your case is one in which there are non-exempt assets to be divided among creditors, only those you listed will be discharged.
The first thing I do as your bankruptcy attorney after your initial consultation and opening the file is to notify each and every one of the collection agencies that I am your bankruptcy lawyer, they must stop calling you, and they should only communicate with me in writing. It is real hard to begin a debt free lifestyle if the phone won’t stop ringing, right? It is then your job to let me know if any of the collection calls continue. But this is not notice of the bankruptcy case. That doesn’t happen until you have a case number.
When you come to the office for your signing interview, we will go over all the pages in your petition. You will find a list of you creditor addresses buried in the paperwork. I will tell you to ignore that. Even so, it is very important. It is an address matrix. This will upload to the Bankruptcy Clerk of Court.
This is the list he will use to address everything that will be sent to your creditors from the court. The first thing he sends out is the notice of meeting of creditors to you, and all listed creditors and cosigners. This notice tells everyone when your meeting is, important deadlines, and the fact of the automatic stay. When you receive your notice in the mail, you can be pretty sure everyone else did too.