When you are filing chaper 7 bankruptcy are you only required to file whats on your credit report?

Question

Eric Lewis · Answer

No.  You must list all of your debts.

William Rubendall · Answer

When you file bankruptcy you must list all of your debts and all of your assets.

Marc Stern · Answer

No, you are required to list all of your assets and everyone to whom you owe anything.

Emily Chase-Smith · Answer

You are required to list all your creditors and it's to your benefit to be as complete as possible. The better notice your creditors get of your bankruptcy, the less you'll have to deal with them after it's over. We list everything on the credit report and also use the most recent invoices to pick up any additional addresses, collection agencies or sales of the debt. We want to be sure everyone gets great notice so our client doesn't get any calls after the bankruptcy is all done.

David Benson · Answer

You must list all of your debts and all of your creditors, as well as all of your assets. You cannot pick and choose what to include.

Daniel James Wilson · Answer

No, you must list every debt you have.

Norman Linder Hull · Answer

You are required to include ALL your debts, including what is on your credit report.

Edward Olson · Answer

All assets and all liabilities must be disclosed.

Jeffrey Solomon · Answer

You are required to list all your debts whether or not the debts are listed on the credit report.

Paul Stuber · Answer

No, you must list all of your debts. Not all debts are  reported.

Robert De Groot · Answer

No. You must list all of your debts. That means all of them. If you do not list a debt, it is not discharged.

William C. Gosnell · Answer

No all debts  are required.

Robert Peters · Answer

You are required to list all of your debts in your bankruptcy petition.

Charles Schneider · Answer

You must list all debts. Whether you may keep a debt is a different question. This is usually done with a reaffirmation.

Glen Edward Ashman · Answer

It would be extremely foolish (and a crime) to do that.  You have to list ALL your debts.  Many creditors don't report on credit histories.  Discuss this with your lawyer.  Pro se cases almost always go badly, and if you improperly list a debt or an address you may not get rid of it.

Harry Roth · Answer

No. You are required to disclose all your debts whether public or private, even those you intend to pay. The credit report is a useful tool to help you identify creditors about whom you may have forgotten or to get up-to-date addresses for them. It can also help you identify former creditors who have inaccurate claims. But the credit report is just a tool to help you prepare. The inclusion or not of a particular creditor on a particular report (there are at least 3 general credit reporting companies and their information often differs considerably) is of no legal significance.

Roger Bus · Answer

Your debts listed on Schedules D, E and F are to include ALL debts, even   those that are to be repaid. Most Trustees routinely ask the debtors under  oath  at their first meeting if "all your debt was listed." No exceptions that  I am  aware of.

Diane Drain · Answer

No - you must list 100% or all your debts and 100% of all your assets.  But, you get to keep certain assets, depending on the state where you live, the value of the asset and whether or not it is exempt.  Please understand that bankruptcy is a very complicated process.  It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step.  Most Arizona bankruptcy attorneys offer a free consultation about the basics of bankruptcy.

Diann Moseley · Answer

No. You are required to include every debt you owe whether it appears on your credit report or not. Not all creditors report their debts to the three major credit bureaus: Equifax, TransUnion or Experian. For example, medical bills are not always reported to the credit bureaus. You have an obligation to report all debts regardless if the debt appears on your credit report or not.

Loren Zahn · Answer

You aren't required to list any specific creditors at all. That said, if a creditor isn't listed, and thus does not receive notice, then any debt owed is not discharged.

Steven Alpers · Answer

You are required to disclose all assets and all debts on your petition.

Deborah Stencel · Answer

When you file Chapter 7, you are required to list all of your debts. Whether or not the debts are reported on your credit report is a separate matter. You must disclose every debt you owe.

Kenneth Parker · Answer

No, you are required to list all of your debts and all of your assets when you file a bankruptcy case. Keep in mind that your credit report may not be all inclusive, so make sure you list all of your debts.

Theodore Araujo · Answer

No. You must list all assets and debts. All Creditors must be listed, not just those on the credit report.

Phong Thanh Tran · Answer

You are required to disclose all your debts and assets to the court.

Michael Jay Berger · Answer

No.  You must list all of your assets and all of your debts.

Tracy L. Robinson · Answer

No you must include all creditors that you owe.  Credit reports will only list the creditors that report to the credit bureau, in short if you only rely on a credit report you will likely miss creditors such as doctors, hospitals, etc. that have not sent the debts to a collection agency.  Please also keep in mind that there are 3 major credit reporting agency and the information on your credit report can differ based upon the company that is providing the report.

Ron Salas · Answer

No - When filing a Chapter 7 you are REQUIRED to list ALL of your debts under the penalty of perjury.

Cary Smalley · Answer

No.  You are required to list all debts.

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When you are filing chaper 7 bankruptcy are you only required to file whats on your credit report?

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