I am thinking of filing for a Chapter 13 (can't do Chapter 7 because of some disposable income after living expenses.) I have had credit problems for a long time... before I was married. Some of these debts were charge-offs through the original companies (unsecured credit cards) and are showing up on my credit report and through other collection agencies. When I file, do I need to include old (5-8 years ago) charge-off accounts, and/or the collection agencies (that are several years old and I have never heard from them for collections)? If the debt was a charge-off, does that mean it is still owed? Do I owe the original company or the collection agency that never contacted me?
A charge-off is only a bookkeeping entry; it doesn't mean that you don't owe the money. I recommend listing everyone you owe money to, everyone who has a possible claim against you, everyone you *might* owe money to, and everyone you *don't* owe money to--if they think you do.
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