On the Schedule F form for Chapter 7 Bankruptcy, should you put the address of the original creditors or of the debt collector? 22 Answers as of May 02, 2014

I am currently filing out paperwork for Chapter 7 Bankruptcy without an attorney.

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Law Office of Marlin Branstetter
Law Office of Marlin Branstetter | Marlin Branstetter
List both addresses. List the original creditor first and in the next space list the collection agency. In the space that asks for the consideration for the debt list it as a collection account for the original creditor and indicate $0.00 for the amount due. This way both parties receive notice of the filing.
Answer Applies to: California
Replied: 5/2/2014
Ronald K. Nims LLC | Ronald K. Nims
You put the address of the original creditor on Schedule F and list the debt collector under "Others receiving notice"
Answer Applies to: Ohio
Replied: 4/30/2014
EDWARD P RUSSELL | EDWARD P RUSSELL
You could put either but if you know them both put them both on the schedule F.
Answer Applies to: Minnesota
Replied: 4/29/2014
R. Steven Chambers PLLC | R. Steven Chambers PLLC
This is why having an attorney is useful.
Answer Applies to: Utah
Replied: 4/29/2014
GARCIA & GONZALES, P.C.
GARCIA & GONZALES, P.C. | Richard N. Gonzales
That would be both.
Answer Applies to: Colorado
Replied: 4/29/2014
    Garner Law Office
    Garner Law Office | Daniel Garner
    You should list both addresses if you have them.
    Answer Applies to: Oregon
    Replied: 4/29/2014
    Thomas Vogele & Associates, APC | Thomas A. Vogele
    You should list and notify the original creditor as well as the collection service.
    Answer Applies to: California
    Replied: 4/29/2014
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    That would be but both.
    Answer Applies to: California
    Replied: 4/29/2014
    Eranthe Law Firm
    Eranthe Law Firm | Cate Eranthe
    Both and make sure they are correspondence addresses. I would strongly advise that you see a local knowledgeable bankruptcy attorney. If you read over these posts, you'll notice that folks who do it themselves often have unforeseen problems and consequences.
    Answer Applies to: California
    Replied: 4/29/2014
    A Fresh Start
    A Fresh Start | Dorothy G Bunce
    The best practice is to put the original creditor down first & then indicate the collector as a secondary notice party to this debt.
    Answer Applies to: Nevada
    Replied: 4/29/2014
    Detroit Lawyers, PLLC
    Detroit Lawyers, PLLC | Nick Best
    Both. Put the debt collector's name in there and under consideration put "collection account on behalf of number original creditor". Then put the original creditor's address on there under additional notice.
    Answer Applies to: Michigan
    Replied: 4/29/2014
    Danville Law Group | Scott Jordan
    Why are you doing this without an attorney? You have one chance to get this right and if you don't you will cause all sorts of problems for yourself. The cost of an attorney is more than worth the potential problems you will have without one. As for Schedule F, list both the original creditor and the debt collector.
    Answer Applies to: California
    Replied: 4/29/2014
    Patrick W. Currin, Attorney at Law | Patrick Currin
    If you are certain that the debt has been sold, use the current creditor, if there is any doubt, list both.
    Answer Applies to: California
    Replied: 4/29/2014
    Tokarska Law Center
    Tokarska Law Center | Kathryn U. Tokarska
    You list the original creditor on Schedule B but make sure to include the collection agency on the Creditor's Matrix.
    Answer Applies to: California
    Replied: 4/29/2014
    The Law Office of Darren Aronow, PC
    The Law Office of Darren Aronow, PC | Darren Aronow
    You put the original creditor and you add the additional creditor information as well to creditor matrix.
    Answer Applies to: New York
    Replied: 4/29/2014
    Law Offices of Eric W. I. Anglin
    Law Offices of Eric W. I. Anglin | Eric W. I. Anglin
    You list all creditors including collection firms.
    Answer Applies to: Indiana
    Replied: 4/29/2014
    J.M. Cook, P.A. | J.M. Cook
    That would be both.
    Answer Applies to: North Carolina
    Replied: 4/29/2014
    Law Office of Lynnmarie A. Johnson
    Law Office of Lynnmarie A. Johnson | Lynnmarie Johnson
    Hire an attorney, may take payments and you are looking at sanctions that include jail if you mess it up!
    Answer Applies to: Michigan
    Replied: 4/29/2014
    Law Offices of David H. Relkin
    Law Offices of David H. Relkin | David H. Relkin
    The safest way is to list the Collector as a c/o. so it would be Creditor c/o John's dubious collection agency.
    Answer Applies to: New York
    Replied: 4/29/2014
    Idaho Bankruptcy Law | Paul Ross
    Typically you list your creditors on the schedules and list collectors or agencies as notice parties.
    Answer Applies to: Idaho
    Replied: 4/29/2014
    Steele, George, Schofield & Ramos, LLP
    Steele, George, Schofield & Ramos, LLP | Alan E. Ramos
    I always list both (with the claim of the collector shown as a duplicate of the original creditor). In that way, both have notice and it can help eliminate continued collection action by one or the other.
    Answer Applies to: California
    Replied: 4/29/2014
    HARVEY S. MORRISON, ATTONEY AT LAW
    HARVEY S. MORRISON, ATTONEY AT LAW | HARVEY S. MORRISON
    Best practice is to list both - with a notation that the debt collector is working for the original creditor and is listed for precaution [with no amount shown].
    Answer Applies to: Ohio
    Replied: 4/29/2014
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