Ask Experts Questions for FREE Help !
Ask
    bridge3272's Avatar
    bridge3272 Posts: 2, Reputation: 1
    New Member
    		  
    #1

    Sep 4, 2008, 02:16 PM
    Something not listed on the bankruptcy
    I filed bankruptcy in 10/05 and it was discharged in 4/06. I am four days from closing on a house and the underwriter called and said there were something's that were on my credit report that were not listed in the bankruptcy. Is there anything I can do? My bankruptcy attorney will not see me for 10 days, and I am supposed to close on Wed of next week. I do not know why they were not listed, but on my credit report it shows that they were from before the discharge of the bankruptcy and they are showing as closed accounts.
    PLEASE HELP!
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
    Uber Member
    		  
    #2

    Sep 4, 2008, 02:22 PM
    Quote Originally Posted by bridge3272
    I filed bankruptcy in 10/05 and it was discharged in 4/06. I am four days from closing on a house and the underwriter called and said there were somethings that were on my credit report that were not listed in the bankruptcy. Is there anything I can do? My bankruptcy attorney will not see me for 10 days, and I am supposed to close on Wed of next week. I do not know why they were not listed, but on my credit report it shows that they were from before the discharge of the bankruptcy and they are showing as closed accounts.
    PLEASE HELP!!

    I don't know what you mean - they are closed because they are paid off?

    Why would closed accounts hurt you? Open accounts I can see...

    I don't understand how this can happen if it is info that can hurt you - didn't you make full disclosure to Bankruptcy Court?
    bridge3272's Avatar
    bridge3272 Posts: 2, Reputation: 1
    New Member
    		  
    #3

    Sep 4, 2008, 02:24 PM
    Yes we did we thought our attorney put everything in the bankruptcy but the underwriter has a list of about 7 things that were not put in the bankruptcy, they are showing closed, put with a past due amount showing
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
    Uber Member
    		  
    #4

    Sep 4, 2008, 02:29 PM
    Quote Originally Posted by bridge3272
    Yes we did we thought our attorney put everything in the bankruptcy but the underwriter has a list of about 7 things that were not put in the bankruptcy, they are showing closed, put with a past due amount showing

    Then you most definitely have a problem because they (obviously) were not discharged.

    Do you have the list of debts that you furnished your Attorney? He should have checked them and your credit report but it is entirely possible that these debts had not been reported to a credit company at this time - so it's up to you to furnish him with a complete list.

    You need to know if you didn't furnish info on these debts OR if he somehow missed them.

    I would call the Attorney again - soon.
    progunr's Avatar
    progunr Posts: 1,971, Reputation: 288
    Ultra Member
    		  
    #5

    Sep 4, 2008, 02:39 PM
    I can't rate her yet but she is RIGHT!

    If these items were on your credit report, that was inspected by your attorney, then your attorney is accountable.

    If however, they were not on the credit report, and you didn't list them with your attorney, you won't be closing on your house, without paying them prior to doing so.

    For your sake, I hope your attorney screwed up.
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
    Expert
    		  
    #6

    Sep 4, 2008, 02:59 PM
    Yes any and all debts should be included on our bankrutpcy.
    In fact most attorneys will list even recently paid off items or things where there is ever a chance you could owe them. I discussed this issue with my family attorney today in fact.
    So the one issue is are you sure it was not listed, did you get out your bankrutpcy paper work and see if it was listed.
    Also just because it was included in your bankrutpcy does not mean it will not show up on your credit report.

    At this point you put off closing and let your attorney take a look at it.
Not your question? Ask your question View similar questions
 

Question Tools Search this Question
Search this Question:

Advanced Search

Add your answer here.


Check out some similar questions!

Is Bridgeport Bankruptcy a legit company to file Bankruptcy with [ 7 Answers ]

Is Bridgeport Bankrupty online service a good company to file Bankruptcy. Are there any major reported complaints, like not filing Bankruptcy properly or at all.

Civil judgement no listed in bankruptcy [ 1 Answers ]

Please help. I filed bankruptcy in 4/2004. I recently applied for a mortgage and after pulling my credit report, I discovered there is a civil judgement filed against me in 8/2001that I was not aware of. How can this be? I was never notified either by mail or phone. Since I filed bankruptcy...

Listed below [ 1 Answers ]

Which of the following events cannot be quantified into dollars and cents and recorded as an accounting transaction? a) the appointment of a new CPA firm to perform and audit b) the purchase of a new computed c) payment of income taxes d) the sale of store equipment

No father listed [ 2 Answers ]

I did not list a father on my child's birth certificate. I am now married and husband wants to give the child his last name. We now live in another state but child was born in Arkansas. Can someone please advise us.

Cd rom not listed in my computer [ 6 Answers ]

Hi all, after sorting all sort of problems of virus/trojans now I got another problem. My cd rom is not listed in my computer which means that I am not able to use it. It opens and closes but do not works. I am using dell system with 512 ram and xp home and pro both installed on same partition....

View more questions Search