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Typically in such a situation the attorney would use the credit report augmented by whatever records the debtor has. The nature of the debt is typically obvious from the credit report – for example credit card debt can be listed as "consumer debt". It is not usually critical if an account number is XXXXX correct - stipulated debt would be discharged. Any debts that have been omitted may be added at a later date by reopening the bankruptcy case.
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Thank you for your quick response. So even inaccuracies such as an account balance would be ok? A listed debt might be so inaccurate that a future credtior who bought the debt might dispute the discharge - is that possible? How would something like that be handle if a new creditor came started going after the debtor several years later, for example?
So even inaccuracies such as an account balance would be ok? Correct - The account balance is almost never accurate for many reasons including accumulating interest and late fees
A listed debt might be so inaccurate that a future credtior who bought the debt might dispute the discharge - is that possible? How would something like that be handle if a new creditor came started going after the debtor several years later, for example? - In such an event the debtor would be required to reopen the bankruptcy for purposes of adding the creditor
Remember the debtor himself can and should take action to discover all debts
So regarding attorney liability if creditors try to sue the debtor after Chapter 7 is filed, an attorney is not required to call creditors and verify balances, account numbers and creditor addresses before filing Chapter 7? Going off the CBR and information provided by the debtor is good enough?
I would like to clarify that it is the debtors responsibility to assure that all debts are listed in the bankruptcy petition. It is not the attorneys responsibility nor within his typical scope of representation to call creditors to obtain or verify information
Thank you! Have a good night.
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