Chapter 13 Bankruptcy Frequently Asked Questions
I really want to pay creditor X, but they’re not listed. Why?
The claims listing reflects all claims in our records. A creditor is not listed if we do not have a proof of claim.
The Internal Revenue Service (or other creditor) is listed twice, or three, or four, or more times; but I only owe them once. Why?
There are two possible reasons for this. First, the creditor may have filed more than one proof of claim, and our records reflect each proof of claim filed, although generally only one is set to a pay status. Second, some claims are bifurcated into unsecured, secured, and (for taxes) priority amounts, and each amount is shown separately on our records. These can be identified by the proof number sequence (i.e., the number for this will be 002.0, 002.1, and 002.2).
There is/are proof(s) of claim listed that I am paying directly. Why?
Our records reflect all proofs of claim filed with the court, and they cannot be removed from our records. Claims being paid directly should have the word 'Direct' in the far right hand column.
I don't owe anyone called "eCAST Settlement" or "Resurgent" or "B-Hold". Why are they listed?
These companies purchase Chapter 13 claims of several large creditors (e.g., Sears, American Express, Household Finance, or First Bank). These claims have been assigned to the purchaser and changed in our records.
What does it mean when a claim says it is 'scheduled'?
This means the claim appeared on your schedules, but the creditor has not filed a proof of claim yet.