Bankruptcy Law

Bankruptcy law questions? Ask a bankruptcy lawyer.

Ask a Lawyer,
Get an Answer ASAP!

I got a undeliverable notice back but I don't know which…

Customer Question
I got a undeliverable...

I got a undeliverable notice back but I don't know which creditor it is

Lawyer's Assistant: What state are you in? And are you working with a local attorney?

Indiana and I'm acting as my own Attorney

Lawyer's Assistant: Has anything been filed in civil court? If so, what?

No

Submitted: 1 year ago.Category: Bankruptcy Law
Show More
Show Less
Ask Your Own Bankruptcy Law Question
Answered in 1 minute by:
10/18/2016
Bankruptcy Lawyer: Law Tutor, Esq., Attorney replied 1 year ago
Law Tutor, Esq.
Law Tutor, Esq., Attorney
Category: Bankruptcy Law
Satisfied Customers: 165
Experience: N/A
Verified

Welcome to JustAnswer (“JA”)! I am an attorney with over 20 years’ experience in multiple jurisdictions and I look forward to assisting you today.

Note: (1) If you want legal advice, please consult with a local attorney before acting or deciding not to act; information given here is for educational purposes only; (2) No specific course of action is proposed and no attorney-client relationship is formed herein. By continuing, you confirm that you understand and agree to these terms and to JA’s other site disclaimers.

Please give me a moment to write a response and identify any additional resources for you.

Ask Your Own Bankruptcy Law Question
Bankruptcy Lawyer: Law Tutor, Esq., Attorney replied 1 year ago

What type of case is the concerning? Is this related to a bankruptcy case?

Ask Your Own Bankruptcy Law Question
Bankruptcy Lawyer: Law Tutor, Esq., Attorney replied 1 year ago

I just need a little bit more information. What document was returned and is this a Chapter 7 or Chapter 13?

Ask Your Own Bankruptcy Law Question
Customer reply replied 1 year ago
Chapter 7
Bankruptcy Lawyer: Law Tutor, Esq., Attorney replied 1 year ago

So it was probably the 341 Meeting Notice, which was sent by the bankruptcy court to the creditors and it was returned to you and you cannot figure out which creditor it is for - correct?

Ask Your Own Bankruptcy Law Question
Customer reply replied 1 year ago
Correct
Bankruptcy Lawyer: Law Tutor, Esq., Attorney replied 1 year ago

Okay, turn the sheet over to the other side and see if you see the creditors name and address. It normally shows through the window envelope and then the post office puts that little yellow sticker that says "unknown address" or something like that on the front of the envelope. So turn if over and look for a blank sheet of paper with the creditor's name and address on it and let me know if you see it.

Ask Your Own Bankruptcy Law Question
Customer reply replied 1 year ago
It says Undeliverable Address: Creditor Mailing Matrix
Bankruptcy Lawyer: Law Tutor, Esq., Attorney replied 1 year ago

We are going to figure this out. It's on there. So, was it a window envelope or a regular envelope? If it is a window envelope it is on the back of one of those sheets inside the envelope. If it was a regular envelope, it is underneath the yellow sticker so you have to peel up the yellow sticker. The third option is that no address was given on your creditor's matrix, but it would still say the name of the creditor. Any luck now?

Ask Your Own Bankruptcy Law Question
Customer reply replied 1 year ago
The window has my address and name
Bankruptcy Lawyer: Law Tutor, Esq., Attorney replied 1 year ago

Hold on. I am going to figure this out for you. Standby please.

Ask Your Own Bankruptcy Law Question
Bankruptcy Lawyer: Law Tutor, Esq., Attorney replied 1 year ago

The only think that I can suggest is happening here is that there was an incomplete address given on your creditors matrix and therefore, it could not be delivered to that particular creditor. Normally, it is not too difficult to ascertain where the court was trying to send it. However, in some cases, where the creditor's name or address is not complete on the mailing matrix, it will be returned by the post office with little to no information. The good thing to know, is that as long as you listed your creditors on your bankruptcy schedules, you are covered. They will be discharged in your bankruptcy. You are under no obligation to track down creditors when they move their address time and time again. As long as there is no fraud involved or intent to avoid the creditor (which there is not in your case), the debt will be discharged. I hope this helps.

Your satisfaction is my goal, and I'm happy to answer any follow-up questions you may have.

If you have no further questions, please do not forget to leave positive feedback (click on the 5 stars at the top of your page), as the experts are not employees of the site and get no credit for spending time with customers unless they leave positive feedback. Thank you.

There is no additional charge to you for rating me.

A bonus is not required but is always appreciated.

Ask Your Own Bankruptcy Law Question
Bankruptcy Lawyer: Law Tutor, Esq., Attorney replied 1 year ago

Also, I wanted to add that each bankruptcy court has its own policies and procedures regarding what to do when a notice comes back as undeliverable. Please contact the clerk at your local bankruptcy court and ask them to clarify the procedures for you. You may be able to examine the creditors mailing matrix to determine which of the creditors have addresses that are undeliverable. I see that you are in Indiana, but I am not sure what District. But here is a link to The Northern District of Indiana's information concerning Rule B-1009-1(b) regarding things you must do to correct a creditor's address, provided you can ascertain who the creditor is. I know that you were hoping for a more definitive answer, but you will need to find out more from your local bankruptcy court. Please rate me well for giving you an honest, professional answer so that the site will compensate me for helping you today.

Ask Your Own Bankruptcy Law Question
Bankruptcy Lawyer: Law Tutor, Esq., Attorney replied 1 year ago

Did you have any other questions? I hope things are going well for you. If you don't require anything further, please don't forget to rate me 5 stars so that I may receive credit from the site for helping you. Take care!

Ask Your Own Bankruptcy Law Question
Was this answer helpful?
Ask Law Tutor, Esq. Your Own Question
Law Tutor, Esq.
Law Tutor, Esq.
Law Tutor, Esq., Attorney
Category: Bankruptcy Law
Satisfied Customers: 165
165 Satisfied Customers
Experience: N/A

Law Tutor, Esq. is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

< Previous | Next >

Meet the Experts:

Terry L.

Terry L.

Attorney

2,679 satisfied customers

Better Business Bureau. 18yrs bankruptcy experience. Chicago Bar Assoc. American Bankruptcy Institute member.

cortrightlaw

cortrightlaw

Attorney

511 satisfied customers

Attorney practicing Bankruptcy Law including Chapter 7, Chapter 11, Chapter 12, and Chapter 13.

JoeLawyer

JoeLawyer

Attorney

376 satisfied customers

Attorney in the practice of Bankruptcy Law since 1996

A.J.

A.J.

Attorney

262 satisfied customers

Experienced consumer bankruptcy attorney.

Fritz

Fritz

Attorney

209 satisfied customers

Florida attorney with extensive experience in Chapter 7 and Chapter 13 consumer bankruptcy cases

Law Girl

Law Girl

Attorney

153 satisfied customers

I am an attorney.

Paul K, Esq.

Paul K, Esq.

Attorney

141 satisfied customers

10 years Exp., Great customer service, Prompt responses.

< Previous | Next >

Related Bankruptcy Law Questions
I received a chapter 7 discharge in a no asset case. I
I received a chapter 7 discharge in a no asset case. I didn't include a Bank of America account that I recently saw on my chexsystems report. Does that mean it won't be discharged. FYI I live in Ohio… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
BANKRUPTCY: Debtor filed Chapter 7 bankruptcy and included
BANKRUPTCY: Debtor filed Chapter 7 bankruptcy and included Garnished wages as their assets in SCH A/B, and claimed as exempt in SCH C. The funds were garnished within 3 months of filing.Is there a for… read more
Terry L.
Terry L.
Attorney
Doctoral Degree
2,679 satisfied customers
I converted chapter 13 bankruptcy to chapter 7. will the
I converted chapter 13 bankruptcy to chapter 7. will the bankruptcy stay on my credit report for ANOTHER 10 years? … read more
Mark Anderson
Mark Anderson
Attorney
Doctoral Degree
10 satisfied customers
I filed chapter 7 the day before my home was to be sold in
i filed chapter 7 the day before my home was to be sold in foreclosure on the court steps to stop that from happening. Now if the trustee says i have no equity in my home and abandons it and discharge… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,591 satisfied customers
If I file for chapter 7 or 13 can the courts take/garnish my
if I file for chapter 7 or 13 can the courts take/garnish my state retirement pension. its all I will have to live off after this ??????? … read more
Terry L.
Terry L.
Attorney
Doctoral Degree
2,679 satisfied customers
Filing chapter 7 bankruptcy in Des Moines Iowa- Regarding
Filing chapter 7 bankruptcy in Des Moines Iowa- Regarding credit card judgements that have been placed on you; what form(s) do you include these on. How do you list them?… read more
KLAW
KLAW
Juris Doctorate
2,115 satisfied customers
I may have to file chapter 7 bankruptcy. My debt is
I may have to file chapter 7 bankruptcy. My debt is primarily non consumer debt.[87%]. I was reading US Code 547 c 9 and was also told that since it a non consumer debts chapter 7 that i could transfe… read more
Mark Anderson
Mark Anderson
Attorney
Doctoral Degree
10 satisfied customers
In form Form 106A/ for Chapter 7. In any of the sections
In form Form 106A/B for Chapter 7.In any of the sections when they ask you : 1.) Current value of the entire property? 2.) Current value of the portion you own?What do I put for part 2?Example : Singl… read more
Mark Anderson
Mark Anderson
Attorney
Doctoral Degree
10 satisfied customers
I may have to file chapter 7 at some point in future. Both
HelloI may have to file chapter 7 at some point in future. Both my daughter and my son saved and I helped them buy vehicles. They paid for them. They are older used cars worth 2500 and 3500. Can I tra… read more
Alex Esquire
Alex Esquire
Managing Attorney
Doctoral Degree
153 satisfied customers
In a chapter 7 bankruptcy if there is both a discharged tax
In a chapter 7 bankruptcy if there is both a discharged tax liability and a current tax liability and assets that the trustee will sell. Which tax liability will the proceeds from the sale go to first… read more
Terry L.
Terry L.
Attorney
Doctoral Degree
2,679 satisfied customers
Another question? If a person filed chapter 7 bankruptcy and
Ok another question?If a person filed chapter 7 bankruptcy and remAins paying on vehicle through discharge on bankruptcy, if at some point I stop paying will they repo the vehicle. I know it's not on … read more
Ray
Ray
Lawyer
Doctoral Degree
32,639 satisfied customers
This is a chapter 7 question...the Debtor currently has a
This is a chapter 7 question...the Debtor currently has a garnishment that will be extinguished by the chapter 7 discharge...Does that garnishment still go on Schedule I? How would it be treated on th… read more
Terry L.
Terry L.
Attorney
Doctoral Degree
2,679 satisfied customers
My bankruptcy chapter 7 was discharged in Feb, 2018. I am in
hi - My bankruptcy chapter 7 was discharged in Feb, 2018. I am in a process of getting a mortgage broker license. I wonder that will be an issue? … read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,591 satisfied customers
I hired an attorney in IL to file a Chapter 7 for me. Most
I hired an attorney in IL to file a Chapter 7 for me. Most of my LLC's are based in GA. I had since moved to IL for six months so filed in that state. I had a couple items that were sold and the credi… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,591 satisfied customers
I need to file a emergency skeleton chapter 7 ASAP to stop a
I need to file a emergency skeleton chapter 7 ASAP to stop a fraudulent writ of execution I never had the chance to dispute. I have completed the debt counseling certificate , forms 101 1-6 documents,… read more
Terry L.
Terry L.
Attorney
Doctoral Degree
2,679 satisfied customers
I bought trustee deeds from a Chapter 7 bankruptcy trustee
I bought trustee deeds from a Chapter 7 bankruptcy trustee years ago, and the title of the properties are lised***** Anywhere, USA 12345 subject to the existing claims and creditors either known or un… read more
Damien Bosco
Damien Bosco
Attorney
Doctoral Degree
4,524 satisfied customers
My wife filed for chapter 7 recently she forgot to include
My wife filed for chapter 7 recently she forgot to include my income in the means test, and now that we add it it she does not pass … read more
Ray
Ray
Lawyer
Doctoral Degree
32,639 satisfied customers
If a husband files Chapter 7 bankruptcy, can the husband
If a husband files Chapter 7 bankruptcy, can the husband borrow money from the wife, after the 341 hearing but before the chapter 7 is discharged? … read more
Phillips Esq.
Phillips Esq.
Attorney
JD
19,591 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x