Hello, after weeks of reading and seeking advice from a BK attorney, I have a question.
I am looking at adding a lot of medical debt to my BK. Mostly from early 2018. Some has been sent to more than one collection agency. None of which are reporting on my CR. I have contacted the hospital which I incurred the original debt. They gave me the company the debt was sent to. I called and some of the balance was sent elsewhere with a phone # that doesn't work.
The question is- how do I add creditors holding the debt if I can not locate the debt? I have the original hospital statement with said debt, but if they are no longer responsible for receiving the payment (since the collection agency is), what do you do? I plan on asking the lawyer as well. I have been trying hard to make sure I have not missed any agency. I am afraid I will miss a creditor holding a significant amount of medical debt if I can't locate it.
I am filing in February and have been working to get all records in order. For example The hospital doesn't have the original $4,000 debt (sent to an agency last month) and the agency has yet to receive/process it as they said they just received a bulk of accounts this month and it may be in that stack.
I am filing around $45k medical debt from surgeries. $1800 to AT&T. $501 to a cable company. $192 to Captial One (the ONLY credit card I have). $200 past utility bill at my previous address. $460 to my former bank for a closed out checking account.
I do not own my home and do not have an auto loan. With all this said, it is VERY important that I do not forget any medical debt. I am worried sick about finding lost debts. Anyone have issues locating medical debt prior to filing? Did you find it post filing?