Palmetto, FL Bankruptcy Law Firms & Lawyers

The schedule where you place a debt does not affect the nature of the debt in any way, so I generally put all tax debt on Schedule E & lump everything together. With repect to collection companies, I list the current collector first & list the original creditor & former collectors underneath them as "additional notice parties" with a balance as $0. The court maintains statistical records as to the total unsecured debt & if each collector is listed as having the right to the entire debt, it messes up the report to the USDOJ & could result in claims being overpaid.

The filing of a bankruptcy creates an automatic stay which would prevent the foreclosure sale taking place. A notice of the bankruptcy should be provided to the state court clerk to stop the foreclosure sale.

No, you can add in additional creditors to your bankruptcy at anytime until it closes, provided that the debt was made before you filed Chapter 13. The court charges a $30 filing fee to do this and expect your attorney to add on a charge for the additional work as well. By the way, it isn't enough to just add the additional creditor with an amendment. You also have to make sure the creditor is served with the notices that the court sent to all of the initial creditors, including a copy of the plan and a form to file a proof of claim.