help

[jmclaughlin1982]

Oh and as a side note, even if the debt was left off your original filing and the creditor tried to fight it, it's as easy as paying a few hundred dollars to re open your BK and add that creditor to the filing.

[Anonymous]

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@jmclaughlin1982 wrote:
Oh and as a side note, even if the debt was left off your original filing and the creditor tried to fight it, it's as easy as paying a few hundred dollars to re open your BK and add that creditor to the filing.

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A few hundred?  not even - the following is from http://www.uscourts.gov/services-forms/fees/bankruptcy-court-miscellaneous-fee-schedule:

For filing an amendment to the debtor’s schedules of creditors, lists of creditors, or mailing list, $30

[jmclaughlin1982]

Thanks for the info tyger...in my estimate I was assuming contacting a lawyer. I would never do any legal work on my own. Might seem small but one wrong check mark on the form and you're screwed. In my number, told to me by my lawyer, I was assuming going through a lawyer. Yes, it's only $30 to file the form, but to hire a competent lawyer to file that form and back you up is probably going to be $250-300.

[sarge12]

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@Anonymous wrote:

I was discharged on 8/16/16.  I got a collection call on the 17th from a collection company.  It was for a stupid payday loan from like 4 years ago.  He was trying to tell me that I have to pay the money because it was not included in my bankruptcy becasue they were not given notice of it.  He told me they just got the case on 8/16.  I didn't even recognize the company name he said I owed.  He told me they are trying to get me for check fraud?  I don't know how, I haven't ever written them a check.  Am I missing something?  I told him to call my attorney and he got really nasty.  Also, I checked my credit score after the discharge and it went up by like 50 points.  Is that normal?  And is credit karma credit reports accurate?  THanks so much for any help with these issues.  

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This sounds like a scam.....many unscrupulous charachters will search out public records to get the info on filers. Demand writen debt verification and do not give them any info.

[sarge12]

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@jmclaughlin1982 wrote:
Thanks for the info tyger...in my estimate I was assuming contacting a lawyer. I would never do any legal work on my own. Might seem small but one wrong check mark on the form and you're screwed. In my number, told to me by my lawyer, I was assuming going through a lawyer. Yes, it's only $30 to file the form, but to hire a competent lawyer to file that form and back you up is probably going to be $250-300.

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I also find it too much coincidence that he got the case on the day of discharge, and for the record if a pay-day loan place knowingly accepts a post-dated check, they can not get you for a bounced/bad check because they knew the funds were not in the account when they accepted the check. The laws are clear on this from my understanding, they would be treated the same as any other unsecured creditor. It is only treated as bounced check if you write a check that you represent as good when written...post dating kills that.