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Chapter 7 is typically a liquidation of assets and the resultant closing of the company. If creditors wish to participate in any possible distribution of assets, they are required, by both Chapter 7 and 13, to file Proof of Claim forms within 90 days after the first scheduled creditors meeting.
If you accidentally forget to add an unsecured creditors name to the list, not much of consequence happens in this particular case. As is the case with no asset bankruptcy, unsecured creditors, listed or not, get nothing in such cases. The debt gets discharged with creditor having no claim to collect.
An objection to the allowance of a claim and a notice of objection that substantially conforms to the appropriate Official Form shall be filed and served at least 30 days before any scheduled hearing on the objection or any deadline for the claimant to request a hearing. (2) Manner or Service.
A written statement filed in a bankruptcy case setting forth a creditors claim is called a proof of claim. A proof of claim should include a copy of any documentation giving rise to the claim as well as any evidence in support of the claim, such as evidence of secured status if the claim is secured.
What Happens If a Secured Creditor Doesnt File a Proof of Claim Form? Nothing good. If the lender doesnt file a proof of claim form in Chapter 13, the Chapter 13 trustee wont pay the creditor out of the monthly plan payments, setting the debtor up to lose the property.
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If a secured creditor fails to file proof of claim, then you will not make any payments toward what you owe on your house or car during your repayment plan. At the end of the bankruptcy process, to keep the collateral, you will still owe the full amount of these secured debts. Plus, you may owe interest and other fees.
Filing a Proof of Claim Online Through ePOC The Electronic Proof of Claim (ePOC) program permits proofs of claims to be filed directly from the courts website. The (ePOC) program will create and file or amend a completed, signed claim form (Official Form 410) online using the Courts (ePOC) system.

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