Remembering info for BK

[Anonymous]

I had a consultation twice so far. During the meeting I was asked to list or tell everything I owned or owed. I wrote some info down before going and gathered files. As the meeting progressed I still kept rememebring things that I had forgot. It seems that if it is not a very demanding collection, I do not even think about it. Anyone else have this problem?

[DaveInAZ]

If I had to rely on my memory for every account I have and everything I owe I'd be in trouble.

Pull your credit report from a free site like Credit Karma, easy enough.

[Anonymous]

I have done that.. but I have been discovering collections that are less than 7 years old that Is not on my credit reports..and they want to know everything

[Anonymous]

Or should I consider things not on my credit report legitimate

[shadanat]

Some tradelines don't report on your credit. I've seem a lot of people mention Paypal Credit doesn't. Maybe you can look at past bank statements and see who you sent payment to. Some banks provide up to three years worth of statements online

[Anonymous]

I know everyone currently. I am speaking of past collection attempts for small amounts that are forgotten after years of not hearing from them any more. For example, while looking for a tax return, I came across a bill (collection) from progressive insurance for 75 dollars that is date 2013. I completely forgot it existed. Things of that nature. What would be the consequence for forgetting that. I technically did not disclose it but I honestly may forget. 

[Dalmus]

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wrote:

I know everyone currently. I am speaking of past collection attempts for small amounts that are forgotten after years of not hearing from them any more. For example, while looking for a tax return, I came across a bill (collection) from progressive insurance for 75 dollars that is date 2013. I completely forgot it existed. Things of that nature. What would be the consequence for forgetting that. I technically did not disclose it but I honestly may forget. 

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If you forget to list a debt, the worst that will happen is that you still owe that debt.  The Trustee isn't going to throw your case out or anything like that.  If somebody is silly enough to INTENTIONALLY not list a debt when they file, they have something wrong in their brains.

I am not a lawyer, but...  When I filed, I asked that same question.  In general, if you're filing BK7 and you have no assets (meaning nothing above your personal exemptions that the Trustee could sell off to pay your debts), then the "forgotten" debt would be considered discharged.  A FEW states don't allow this, and would consider the debt NOT discharged.  You need to research the specific BK7 laws for your state.