My husband & I are filing for chapter 7 bankruptcy and I need...?

Question

We have decided with our lawyer to file for chapter 7. We owe a large amount of money to several different creditors and with our current situations, we can not afford to pay them. I know some of you on here may not agree but this is indeed the correct route for us. They need copies of my bills, like the account numbers and how much I owe to them. Problem is was when we moved I lost EVERYTHING, all my files etc I honestly don't even remember the collection companies names, some of them yes but not all of them. How do I get all of this information. Will a credit report give me all this information? All of your help is much appreciated.

Answer 1

How do you lose "everything" while moving?  Haven't you ever heard of putting things in a box and LABELING it.

It is beyond me how unorgainzed and irresponsible people are.

Answer 2

Your credit report will show the names of your creditors. From this you can locate their phone numbers and call them to get the amount you owe them.

The Federal Trade Commission, the nation’s consumer protection agency:  annualcreditreport.com is the ONLY authorized online source for you to get a free credit report under federal law. You can get a free report from each of the three national credit reporting companies every 12 months. Some other sites claim to offer "free" credit reports, but may charge you for another product if you accept a "free" report.

Answer 3

yes a credit report should get most or all of them

Answer 4

You should get full credit reports from Equifax, Experitan, and TransUnion.  Go to www.annualcreditreport.com to get access to the free reports.  The reports should list all your debts outstanding and defaulted.  Otherwise, I wouldn't be surprised if collection companies found you first.  Best of luck, and remember, the simplest way to creating wealth is to spend less than you make.