Bankruptcy Debtors Must Watch Their Mail

Bankruptcy Debtors Must Watch Their Mail

When a bankruptcy case is filed the collection of information by the debtor is crucial to the success of his or her case. The communication of this information is also important and crucial to any bankruptcy case. Bankruptcy debtors must watch the mail very closely after filing a case since any information they receive is about something that affects their case. The difference is that some notices will concern events that are of greater effect than others.

Whenever certain important events occur in a bankruptcy case, and as mandated by substantive and procedural law, the Office of the Clerk of the local U.S. Bankruptcy Court will send notice of these events by U.S. Mail to recipients as determined by the debtor’s master mailing list. Some notices are generated by the court while others are generated by attorneys who represent the debtor, creditors, other parties-in-interest, and the U.S. trustee.

When a debtor initially files any type of bankruptcy case in Utah, he or she must file a list of creditors, formally known as a creditor matrix, and more commonly known as a master mailing list. The master mailing list must be filed within the petition or two days thereafter which ensures that notice of your bankruptcy case is sent as soon as possible to all your creditors and anyone else of importance who may be a party-in-interest. Of course, the accuracy and completeness of this list are crucial to getting a discharge of as many debts as possible in your Chapter 7 or Chapter 13 bankruptcy case.

The Office of the Clerk of the local U.S. Bankruptcy Court relies on the master mailing list whenever it is required to send any important notice. Attorneys also rely on this list to send any motions or notices as required by federal bankruptcy law and the Federal Rules of Bankruptcy Procedure.

For debtors represented by counsel, keeping track of what comes through the mail concerning your bankruptcy case is not all that difficult since your attorney will receive every notice that you receive in the mail. Debtors who are not represented by an attorney must rely on their personal vigilance to keep track of everything that is sent to them by or through bankruptcy court.

Starting with the notice of commencement of the bankruptcy case, the debtor will receive various notices of certain events as the case moves forward. These notices may provide a timeline by which a debtor may follow his or her case. Also, the case’s assigned trustee, any creditor, and any party-in-interest may generate an important document that will be required to be served on the debtor by mail. Many times, the debtor will be required to respond to this document and it will be necessary to consult with an attorney.

Any bankruptcy debtor must, therefore, watch the mail closely or risk losing track of his or her case, which may detrimental in the long run. Theron Morrison and the Morrison Law Group help their clients keep track of every event in their bankruptcy case, relieving them of much unnecessary stress. Call 801.456.9933 today to schedule a FREE consultation. We have locations in Ogden, Logan, Sandy, and St. George to serve the residents of the counties of Weber, Cache, Salt Lake, Utah, Morgan, Davis, Washington, and surrounding areas.


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Theron Morrison

Utah’s top bankruptcy and consumer protection attorney.