Re: BK Proof of Claims as a weapon?
Sorry to pop your bubble, but this is what you can expect. Those companies who care about getting their percentage will file a proof of claim. Of my entire list, only 4 filed proofs!
Unless you have a creditor that doesn't know how BK works, you won't have any show at the 341 meeting (meeting of the creditors). At that time, your plan will be pretty much adopted as-is.
When all is said and done and you have the DISCHARGE in hand, all the creditors will ultimately wipe out your balance and mark it as included in BK. Not filing a proof is not an admission that the debt didn't exist, just a notice that they simply don't care about getting their money. They are then time-barred from collecting anything.
Many companies will simply stop reporting it and when you dispute them, they will not respond, hence they get deleted. There are the jerks, though, that will let one sit for the full 7 years.
I tried using the fact that they didn't file a proof of claim because they had no proof. That only worked on a couple of accounts. The rest remained.
Back to the drawing board! :(
EQ - 517 4/02 -> 693 5/02 -> 687 2/03 -> 515 12/04 -> 539 1/05
EXP - 542 4/02 -> 590 5/02 -> 581 9/02 > 635 2/03 -> 558 12/04 -> 573 1/05
TU fake- 432 4/02 -> 486 6/02 -> 520 9/02 -> 698 2/03 -> 511 12/04 -> 545 1/05