online bankruptcy form questions

david385uk

Hello, I'm currently filling out my bankruptcy form online and I'm filling out the debts i owe section.
Most of my debts are credit cards, however, some credit card companies have passed their debt over to a collection agency..
Should I fill in the details of the original CC company OR the debt collection agency?
Would just filling in both accounts for the same debt do any harm?

bradders1983

Wont do any harm at all. Maybe put "Lowells on behalf of Barclaycard" or whatever the names of the companies are.

Minkym00

You should always list the organisation where the debt is currently. If you don't and come into money (ok, it may be unlikely but you never know) then there is a risk of a debt being paid twice. 

bradders1983

Minkym00 said:

You should always list the organisation where the debt is currently. If you don't and come into money (ok, it may be unlikely but you never know) then there is a risk of a debt being paid twice. 

If that did happen, it wouldnt be any of the OPs concern.

Minkym00

If the bkt comes into an amount of money that would pay their debts and fees, and have some left over to be paid to them, then I'm sure they would rather have that money than have a debt paid twice, don't you think?

Also, you're response of "wont do any harm at all" is simply wrong and bad advice. It distorts the amount of bankruptcy debt and that can have implications.

bradders1983

I am sure the OP would know not to pay the same debt twice tbh.

Minkym00

The OP would not be paying the debt at all, the OR would. Why would you assume they know its the same debt?

bradders1983

You have clarified yourself, fair enough.