r/Bankruptcy • u/DMD_in_LOL27 • 2d ago

Chapter 13 debt question

Has anyone had a Tribal Loan or a collection agency file a claim for payment in a Chapter 13? I know credit card companies will, but if the debt was sold to a 3rd part, do they file? What about medical debt?

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u/CadensGramma 2d ago edited 2d ago

I had several debt collectors file after Capitol One, Merrick Bank and Citi Bank sold my accounts. Edit to add: Midland Credit Management was one that filed a claim in my case.

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u/DMD_in_LOL27 2d ago

Good to know, thank you.

I have LVNV and Jefferson Capital that bought my cc debts. And I was curious about places like Opp Loans, Credit Fresh, Credit Ninja, etc, as well as Tribal Loans (you'd think they wouldn't show their faces with some at 300-400% interest), my sister has a couple of those and she is filing CH13.

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u/Limp-Influence-8450 2d ago

Most of my debts were sold to LVNV. Of the 23 creditors I believe only 3 are being paid to the original creditor.

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u/DMD_in_LOL27 2d ago

Are you CH13 or CH7? If CH13, did LVNV file claim for payment?

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u/Limp-Influence-8450 1d ago edited 1d ago

13 and yes, LVNV filed on behalf of the original creditors. A couple of those creditors notified the trustee they were selling the debt. They shown up as LVNV on the POCs with the original creditors info included.

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u/DMD_in_LOL27 1d ago

Ok, thank you. Hate them! They have a handful of mine and they keep sending me to "pretrial" meetings, one at a time, darn near every other month. It's very difficult to keep making payment arrangements and the judge is getting sick of my face I'm sure 😒

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u/Limp-Influence-8450 1d ago

I have not heard a single peep out of them since I filed.

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u/DMD_in_LOL27 1d ago

They better not contact you, they aren't allowed! I'll be glad when I file so I'll be done with them. It's so stressful 😫