Questions, please help!

[empressj]

Ok so I've retained the attorney and have a list things needed to move forward. Here's my question: how can or do I go about getting the most recent balances from my creditors? I'm sure they've tacked on late fees and interest.. etc. Should I contact each creditor, request credit report or do both? Or is the creditor and account #s are the most important? I'm stressed bc I'm trying to make sure I get everything in order for the attorney. We also must take 2 credit counseling classes I think within 60 days but not too worried bc it can be done online.TIA

[Datx]

Honestly, I think an estimate is what they are looking for. I had many (and I mean many) accounts that I had to list. And the dates and amounts were just estimated. I really couldn't remember when I opened the account, etc. The attorney's office I worked with included every account listed on my credit reports. The only thing I did was made a spreadsheet with anything that is not listed on the credit report. And each time I got some sort of collection letter, I just include them on my spreadsheet. Then before I made my final payment with my attorney, I came by and gave them my spreadsheet. 

[empressj]

I was thinking estimates maybe ok but wasn't sure. I plan to request a credit report to include everything on it and other bills that's not. It's all so stressful. Just want this to go smoothly as possible. I'm even nervous to look at my report, smh! Thank you!

[Anonymous]

Well, if it's on your CBI it'll show up.  If you can access statements online do that, that's what I did. If it's collections or medical you can call and ask for a balance and then ask them to send you a statement. I probably wouldn't mention your filing BK if you have to ask for a statement,  only reason is as a collector i generally "forgot" to send them out,  same with my co workers if I knew it was a dead end and I wasn't going to make commission off it.