QUESTION
Why would they send a request for notice if the case is a clear no asset case?
Asked on May 06th, 2014 on Bankruptcy - California
More details to this question:
I took out a payday loan for $400 around October 2009. I lost my job 3 weeks later and did not pay off the loan. Shame on me, I know. I was young and irresponsible. I then immediately moved where I have been since then. I filed a pro se no asset chapter 7 bankruptcy on 2/24/2014 and had my 341 meeting on 3/21/2014 with nothing contested. On 3/29/2014 the collection agency filed on Pacer a request for notice. I did not see the filing until 5/1/2014. After I was aware of the request for notice, I served the agency via certified mail the notice of bankruptcy on 5/5/2014, as well as filed a certificate of service with the court. I left them off of the matrix by accident. I had forgotten about them until I saw the request. The trustee has already abandoned all assets in a report of no distribution and has not contested my discharge in any way since the 341 meeting. The last day to contest discharge is 5/24/2014. Makes me think they are up to something. Thanks for your help!
7 ANSWERS
Bankruptcy Law Attorney serving Austin, TX
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Law Office of Susan G. Taylor
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Don't worry that's typical. They were just asking the clerk to send them notices concerning your case. They're discharged, whether listed or not there was no need to amend the matrix.
Answered on May 27th, 2014 at 3:09 AM
Could be a purely cautionary step on their part. I wouldn't read too much into it.
Answered on May 07th, 2014 at 2:57 PM
You are assuming that your creditors know that you "clearly have a no asset case." Many times trustees will find more assets in a pro se case than in a case where the finest attorney is hired to represent a high income debtor. And if you left a creditor off of the matrix, you can blame the creditor to ask for notice from the court. The creditor has the legal right to receive notice that you appear to be denying it. And it is not like it costs a creditor anything to file this document.
Answered on May 07th, 2014 at 2:02 PM
Bankruptcy Attorney serving Santa Rosa, CA
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Law Offices of Craig Burnett
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You should immediately amend your Schedule F to include this creditor, before the deadline to contest discharge. You will not discharge this debt otherwise.
Answered on May 07th, 2014 at 11:18 AM
Bankruptcy Attorney serving Alpena, MI
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Carl C. Silver Attorney at Law
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That happens a lot. Don't worry about it.
Answered on May 07th, 2014 at 10:03 AM
The request for special notice is a routine thing for many bill collectors and is nothing to worry about.
Answered on May 07th, 2014 at 9:51 AM
This is an administrative matter; I wouldn't worry.
Answered on May 07th, 2014 at 9:36 AM