Frequently asked questions

Many bankruptcy courts provide access through a centralized VCIS at (866) 222-8029.

Frequently, a debtor marries or divorces and their name changes. We can get a list of aliases that may help. However, our information is limited to aliases, mailing address at the time of filing and the last 4 of their Social.

Sometimes, you may receive notice of a bankruptcy for “notice purposes only”. That means there may not necessarily be a legal debt.

Simply sign on the X line and fill in the amount owed. If you have any questions, please reach out to us.

You can include late fees up to the day the debtor filed for bankruptcy, but the interest must stop after the filing date. Creditors usually confuse the deadline, with the file date.
For example:

  • Debtor files Ch.13- (stop calculating interest and late fees)
  • 2-3 months later: meeting of creditors
  • 90 days after meeting of creditors, is the proof of claims deadline
  • Ch. 13 plans last a minimum of 3 years and some may remain open for 5+ years

In chapter 13 bankruptcy cases, all creditors must file a proof of claim to be included in the debtor’s repayment plan. If a creditor does not file a proof of claim, then the creditor risk non payment and possible discharge of the debt.

The deadlines vary. However, the deadline is included in the official bankruptcy notice sent from the court. The notice is usually mailed about 3-4 months before the deadline.

The deadline for filing a proof of claim for non-governmental creditors in a Chapter 13 bankruptcy case is 90 days after the first meeting of the creditors.

Yes, All we need are dates of service and payments. Redact personal information/ medical procedures, Social Security numbers; dates of birth; names of minor children; and financial account numbers. However, please do not blackout dates or dollar amounts.

Typically, yes. However, It depends on whether the collection company purchased the debt or is merely servicing the debt. Collection companies that are servicing the debt usually do not file claims. We can tell you if the collection company has filed or not.

Yes, just send the account information you have. Please include the balance that was written off.

No.

Chapter Holdings is a national claims filing company that specializes in expedited claims services. We usually file “same day”. We file about 1,500 claims annually. We can help  you file a claim to collect money owed to you.

In chapter 13 bankruptcy cases, all creditors must file a proof of claim to be included in the debtor’s repayment plan. If a creditor does not file a proof of claim, then the creditor risk non payment and possible discharge of the debt.

We may not get paid- Chapter Holdings takes on the risk of nonpayment. If the debtor maintains their plan payments, then the trustee sends us a check. We take our fee and send you a check. – you pay nothing out of pocket. So, you have little to lose.

You may, at any time, end this agreement, unless the contract has been have fulfilled (unless the service has been performed). We try and contact creditors one week before the deadline and we file on the deadline. So, there’s usually a ~3 day window for catching errors. etc.

We withdrawal / release duplicate claims, if they were filed last or 2nd.

You may opt out by sending us an email through info@chaptholdings.com, or sending us a message through our contact us link in this website with your basic information to make sure we will be able to include you in our opted out list.

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