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Wyoming Schedule E/F: Creditors Who Have Unsecured Claims (individuals)

State:
Wyoming
Control #:
WY-BKR-106EF
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PDF
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Schedule E/F: Creditors Who Have Unsecured Claims (individuals)

Wyoming Schedule E/F: Creditors Who Have Unsecured Claims (individuals) is a document used in Wyoming bankruptcy proceedings. This document is used to list all unsecured creditors of an individual filing for bankruptcy in Wyoming. Unsecured creditors are those that do not have a lien or security interest in the debtor’s property, and thus, do not have a right to that property if the debtor is unable to pay. The Wyoming Schedule E/F: Creditors Who Have Unsecured Claims (individuals) lists the names and addresses of unsecured creditors, the amount of the claim, and the type of claim. Types of unsecured claims may include credit card debt, medical bills, personal loans, or other debts not secured by collateral. The document must be filled out accurately and completely in order for the filing to be approved.

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FAQ

An unsecured creditor is a creditor that does not have any form of security (excluding personal guarantees) over a liability owed to it/them. Hence the term unsecured. Unsecured creditors rank last for dividend purposes, with only shareholders ranking after them.

List E : Unsecured Creditors.

If a creditor has gone to court and won a judgment against you for collection of an unsecured debt, theoretically the creditor (now called a judgment creditor) will be able to take any cash in your business's bank account, your business income, and your business assets to pay off the debt.

Some of the most common types of unsecured creditors include credit card companies, utilities, landlords, hospitals and doctor's offices, and lenders that issue personal or student loans (though education loans carry a special exception that prevents them from being discharged).

Unsecured Debt - If you simply promise to pay someone a sum of money at a particular time, and you have not pledged any real or personal property to collateralize the debt, the debt is unsecured. For example, most debts for services and some credit card debts are ?unsecured?.

Non-priority debts include the bulk of unsecured debts, such as: Past-due credit card bills and outstanding credit card balances. Unpaid personal loan payments. Private debts to friends and family members. Overdue bills, including those for rent, utilities and cellphones.

Unsecured creditors are divided between preferred and non-preferred, as certain unclaimed creditors like employees and tax agencies are given priority.

As a result, most Chapter 13 plans do not have to provide for the repayment of unsecured debts. The only instance when Chapter 13 plans must provide for payment of unsecured debts is when an unsecured creditor objects to the plan. If this happens, the debtor must pass a ?disposable income? test.

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Wyoming Schedule E/F: Creditors Who Have Unsecured Claims (individuals)