On My Bankruptcy Forms, Should I List Debts That Appear on My Credit Report but I Don't Owe?
When it comes to filing for bankruptcy, accuracy is of utmost importance. To ensure that the process runs smoothly and efficiently, you must provide accurate information on your bankruptcy forms. This includes being honest about the debts you owe as well as any debts that appear on your credit report but are not actually yours.
The most important thing when it comes to filing for bankruptcy is to be completely honest about the state of your finances. Although it may seem easier or less intimidating to leave out certain debts from your forms, doing so could have serious repercussions in the long run—including making it more difficult for you to receive a discharge of debt. That said, if a debt appears on your credit report but does not actually belong to you, such as an error or identity theft, then there is no need to list it on your bankruptcy forms.
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