Should I list two different accounts separately on the chapter 7 bankruptcy schedule? 20 Answers as of January 18, 2012

Yes. The credit card debt should be listed on Schedule F. If you still have the car, then the car debt should be listed on schedule D but if you have already surrendered the car, then the car debt should be listed on schedule F. Keep in mind that not all creditors report to the credit bureaus, so be sure to list all of your debt, even if it isn't listed on your credit report.

Yes definitely list both with their separate addresses. You want to provide as much creditor info as possible since giving them notice of the filing is what is most important, and just because they have the same name doesn't mean they are the same place.

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All assets and debts must be listed in the bankruptcy schedules. When an account has more than one address, all addresses should be listed. The amount owed for the additional addresses should be listed as"duplicate-notice only" to reflect the correct balance for the account. The description should also say "additional address."

Regardless if you are filing a bankruptcy pro se or having an attorney complete your paperwork, the prudent answer would be to list every creditor, account, collection agency, and court that you have information on regarding your finances/bankruptcy. The one you leave off may be able to come back after your discharge and seek to have their claim satisfied. Unless you understand the bankruptcy laws, you could very well be liable for the debt because you did not give them notice of your bankruptcy filing. There is case law that may provide some relieve for not listing every creditor, but why take the chance. It has taken me longer to write this response than it would have taken you to list each account! By the way, the bankruptcy code requires that all creditors and all accounts be given notice of your bankruptcy filing.

Yes it would be appropriate to list both accounts separately.

They should be listed separately and the address for each should be listed with that particular debt as well.

Yes, you should list each account separately so that it is clear.

Yes you need to list them separately on the schedules to reflect that they are 2 different accounts.

I would list the debts separately. Usually, financial institutions have separate departments for car loans, credit cards, etc. So, I would list the accounts separately as well as the amount and different addresses if there are different addresses on the credit report.