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The ABC’s of Bankruptcy – A is for Address

Posted by Melinda Dionne | Mar 03, 2012 | 0 Comments

A is for Address – The Importance of Correct Addresses

One of the most important things you should do as a debtor is provide your Tuscaloosa and Birmingham Bankruptcy lawyer a correspondence address for each of your creditors.  The address is usually found on your statement.  It is different from the payment address (the address to which you send your monthly payment).  Understanding the difference in the two addresses is critical to your receipt of a bankruptcy discharge.  Notices sent to a payment address will often be returned and may not qualify as notice to the creditor.  If a creditor does not receive notice of the filing of your case, the debt might not be discharged.  Your Tuscaloosa and Birmingham Bankruptcy Lawyer cannot locate the addresses for you.

What Your Tuscaloosa and Birmingham Bankruptcy Lawyer Needs

It is your responsibility to ensure that you provide us with:

  • The complete name of a creditor;
  • a complete mailing address including account number;
  • the amount owed (you should try to provide the most recent balance); and
  • the date the debt was incurred.

Providing a correct and complete address puts you on the right path to receiving your discharge without delay or problems. By providing this information you increase the likelihood that a creditor will actually file a claim in your Chapter 13 Bankruptcy case.  In order to meet the goals that you set for your Chapter 13 case (for example, to pay for your car through your chapter 13 plan) the creditor must  file a claim.  If no claim is filed by the deadline, the Trustee may object to the claim and you may not be able to pay your car through the Chapter 13 plan as originally planned.

Making Your Bankruptcy Case Run Smoothly

The more more accurate the addresses you provide, the easier and the better your case will be for everyone.  So remember, A is for Address.

More Information about “The ABC's of Bankruptcy.”

Attorneys from around the United States are taking part in “The ABC's of Bankruptcy.”  Check out these other blog posts for the letter “A.”

Abandonment by New York Bankruptcy Lawyer, Jay S. Fleischman

Abuse by Wisconsin Bankruptcy Lawyer, Bret Nason

Abuse by Pittsburgh Bankruptcy Attorney, Shawn N. Wright

Advantages by Columbus, Ohio Bankruptcy Lawyer, Athena Inembolidis

Adversary Proceeding by Philadelphia Bankruptcy Lawyer, Kimberly Coleman

Alimony by Philadelphia Suburban Bankruptcy Lawyer, Chris Carr

Amendment by Miami Bankruptcy Attorney, Dorota Trzeciecka

Application by Lakewood, CA Bankruptcy Attorney, Christine A. Wilton

Arrest by Cleveland Area Bankruptcy Attorney Bill Balena

Ask by San Francisco Bankruptcy Attorney, Jeena Cho

Assets by San Rafael Bankruptcy Attorney, Catherine Eranthe

Assets by Hawaii Bankruptcy Attorney, Stuart Ing

Assets by Jacksonville Bankruptcy Attorney, Monica D. Shepard

Assets by Metro Richmond Consumer and Bankruptcy Attorney, Mitchell Goldstein

Assuaging Your Concerns by Charlotte Bankruptcy Attorneys, Collum & Perry

Assume by Northern California Bankruptcy Lawyer, Cathy Moran

Assumption by Allen Park Michigan Bankruptcy Attorney, Christopher McAvoy

Assumption by Los Angeles Bankruptcy Lawyer, Mark J. Markus

Assumptions by Newnan, Georgia Bankruptcy Lawyer, Rick Palmer

Attachment by Vermont-New Hampshire Bankruptcy Lawyer, Michelle Kainen

Attorney by Law Offices of Daniel J. Winter

Automatic Stay by Omaha and Lincoln, Nebraska Bankruptcy Attorney, Ryan D. Caldwell

Automatic Stay by Chicago Bankruptcy Attorney, Kyle A. Lindsey

Automatic Stay by Livonia Michigan Bankruptcy Attorney, Peter Behrmann

Automatic Stay by Connecticut Bankruptcy Lawyer William E. Carter

Automatic Stay by Birmingham Bankruptcy Attorney, Elizabeth Johnson

Automatic Stay by Houston Bankruptcy Attorneys, Busby & Associates

Automobiles by Colorado Springs Bankruptcy Lawyer Bob Doig

Avoidance by Ormond Beach Bankruptcy Attorney, Lewis Roberts

Avoidance of Preferential Transfers by St. Louis, Missouri Bankruptcy Attorney, Nancy Martin

Allowance by Westlake Bankruptcy Attorney William Balena

About the Author

Melinda Dionne

My name is Melinda Dionne.  For over 35 years, I have been helping people find a way to deal with overwhelming debt.  I have never represented a deadbeat because the vast majority of people having financial problems are anything but deadbeats.

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Melinda Murphy Dionne, Bankruptcy Attorney is committed to answering your questions about Bankruptcy, Chapter 13, Chapter 7, Debt Consolidation, Debt Management, and Debtors Court cases in Alabama.

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