If you are struggling to pay back your debt, it is time to face your problem head-on. The sooner you get clear about exactly how much debt you owe and to whom your creditors are, you will be able to evaluate your options for getting out of debt.

We’ve been helping people get out of debt through bankruptcy for over 35 years, and it isn’t uncommon that our client does not know who all of their creditors are. Often debts are sent to be collected by a third party or sold off to debt collection agencies, and some people have many debts with many creditors. All of this happens. It’s okay, there are ways that you can find out who all of your creditors are.

Your Creditors Are Listed in Your Credit Report

The best way to get a complete list of your creditors is to pull a credit report.

You are entitled to a free credit report every year from each of the three credit reporting agencies: Equifax, Experian, and TransUnion. The credit reporting agencies have a duty to list truthful and accurate information, so the information contained in each should be the same. Unfortunately, that isn’t always the case. For information on ordering a free credit report and disputing inaccurate information, read our article here.

Listing Your Creditors If You File for Bankruptcy

It is important to know who all of your creditors are, including collection agencies that have taken over your debt, so that you can address the entirety of your debt problem. Also, if you choose to file for bankruptcy protection you must list all of your creditors in your bankruptcy petition.

The Bankruptcy Court then notifies your creditors of your bankruptcy case and the date, time, and location of the Meeting of Creditors. Know that while they are notified, creditors rarely attend the meeting.

If you accidentally omit a creditor from your bankruptcy schedules, you can likely amend the schedules to add the creditor, but amending schedules based on your mistake can be costly.

If you intentionally omit a creditor from your bankruptcy schedules, that is bankruptcy fraud. Bankruptcy petitions and schedules are filed under the penalty of perjury. You must be truthful and accurate in your filings. If you purposefully fail to include a creditor you may lose your bankruptcy discharge (meaning your debts will not be erased) and you may face other legal consequences.

Hire the Premier Bankruptcy Law Firm in Savannah

The experienced attorneys at The Law Office of Barbara B. Braziel are committed to making the bankruptcy process as smooth as possible for all of our clients.

Together we will work through the bankruptcy petition. We will help you properly list your creditors, income, and expenses. Prior to filing, you will review your entire bankruptcy petition to ensure that is it complete and accurate. We’re located in the Savannah, GA area. Contact us for a free consultation to discuss the benefits of filing for bankruptcy.

Reach out to us by email at info@BrazielLaw.com or call (912) 351-9000.

Find out more about Bankruptcy in our guide: All About Bankruptcy

We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

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