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Established Member
beegeez
Posts: 34
Registered: ‎09-22-2010
0

Can an old bill be added to a CH 7 after discharge?

I forgot to include it originally.

 

Any help is appreciated.

Regular Contributor
Guyatthebeach
Posts: 214
Registered: ‎09-04-2012
0

Re: Can an old bill be added to a CH 7 after discharge?

[ Edited ]

Check the schedule  that listed all your debts to be considered for discharge. I thought I forgot to list one and discovered it was listed.  If it was not listed, from what I understand you can't add it as your bankruptcy was already discharged.  You may want to consult your lawyer.

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chasmith
Posts: 1,062
Registered: ‎05-26-2010
0

Re: Can an old bill be added to a CH 7 after discharge?

If you were a no-asset case, even a debt inadvertently omitted from your schedule is discharged.

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IndianaJane
Posts: 14
Registered: ‎10-14-2012
0

Re: Can an old bill be added to a CH 7 after discharge?

Even if you weren't a no asset case, the debt can be discharged for a period of time, but you would have to re-open the case to add the new creditor. I'd just show the creditor your discharge, and tell them it'll be cheaper for you to re-open than pay them, but you'll settle with them for a nominal (<$100) amount on the condition they remove all reporting to the credit bureaus that are derogatory or hurtful to your credit, and show the account as "paid in full/never late", or remove it entirely from your CR. 


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