About Robert Vitt Expertise I am able to answer general questions regarding Chapter 7 and Chapter 13 bankruptcy cases. I have particular experience in personal (i.e., non-business) bankruptcies. I am unable to answer any questions pertaining to Chapter 11 bankruptcies.
Experience www.bankruptcy-ie.com
I am admitted to practice in the Central District of California and currently run my own law firm which specializes in bankruptcy.
Organizations San Bernardino County Bar Association, California State Bar
Education/Credentials Bachelor of Arts, Philosophy
Master of Business Administration
Juris Doctor
Master of Arts, Philosophy
Past/Present Clients I have had a variety of clients throughout my career. However, my immediate past clients have been predominantly individuals filing for debt discharge under Chapter 7.
Question I am attempting to file for chapter 7 pro se in Arizona. I received all 3 of my credit reports but it turns out that many (or most) of my old debts have been charged-off or sold to someone else. Do I file on the original debt with the original creditor or do I need to track down who now owns the debt? I have tried this with several already and I am getting nowhere. The other problem is that my credit reports do not give the entire account #s and I no longer have them. Can I use my social security# in lieu of an account # when i file with the court?
Answer Michelle,
Do I file on the original debt with the original creditor or do I need to track down who now owns the debt?
On your paperwork (it should be Schedule F) you will put down who originally held the debt as well as the current owner/collector.
Can I use my social security# in lieu of an account # when i file with the court?
No. You MUST put your account number. It should be listed on the credit report.
I want to strongly urge you to look at Nolo.com's book on filing for Chp 7 Bankruptcy. I have no affiliation with Nolo and I receive no compensation for endorsing their product. However, it is excellent and on the basis of your questions, I think it may make the process easier for you.
