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Worried! Forgot a creditor

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Regular Contributor

Worried! Forgot a creditor

My attorney forgot a creditor on my paperwork. I signed and it was filed. Prior to my meeting of creditors I realized the omission and I told the attorneys office the omission and was told they would send notice to that creditor and that would then include them and nothing else would need to be done.

Does this sound correct?
Message 1 of 11
10 REPLIES 10
Frequent Contributor

Re: Worried! Forgot a creditor

From what I've gathered, anything prior to filing is automatically IIB. Someone with first hand experience may be able to give more info.
BK CH7--Filed September 25, 2018--D/C Jan.4, 2019
{FICO8 Feb.12, 2019--TU 580--EX 600--EQ 626}

Credit One Visa ($500 now $700) Nov. 2018
SelfLender (2 year) Nov. 2018
Capital One Platinum MC ($2000) Jan. 2019
Target RedCard ($500) April 2019
Venus Comenity ($500) May 2019 no HP


FICO 8 SCORES: 06-02-2019616 TU613 EX638 EQ
Message 2 of 11
Regular Contributor

Re: Worried! Forgot a creditor

Nothing is automatically included, that's why you have to list all of your debts.

Your attorney's office is right. The same thing happened with me after filling but before my 341 meeting, I realized we left off a creditor. It will cost a small fee (my attorney charged me an additional $80 I think) but they added it and everything was fine.

After discharge, I found yet another creditor that was left off. Well, the creditor was not left off, but my attorney listed them as credit card debt (which I did not have with this particular bank) instead of a checking account, which was well-overdrawn. That is still owed to this day and I plan to take care of it. Be sure to list "correctly" everything you owe.
BK7 DC 1/2/2018


Starting Score: 512 Experian Fico 1/7/2018
Current Score: EXP 639 // TU 638 // EQ 650
Goal Score: 680+ across the board by 2020
Message 3 of 11
Valued Contributor

Re: Worried! Forgot a creditor


@CashBackQueen wrote:
Nothing is automatically included, that's why you have to list all of your debts.

Your attorney's office is right. The same thing happened with me after filling but before my 341 meeting, I realized we left off a creditor. It will cost a small fee (my attorney charged me an additional $80 I think) but they added it and everything was fine.

After discharge, I found yet another creditor that was left off. Well, the creditor was not left off, but my attorney listed them as credit card debt (which I did not have with this particular bank) instead of a checking account, which was well-overdrawn. That is still owed to this day and I plan to take care of it. Be sure to list "correctly" everything you owe.

^^Not correct

 

While you should do your best to list all known debts, every debt incurred prior to filing (except for those that are not dischargeable) is in fact included in your BK.

Ch 7 Discharge May 2015
Discover/Target/NFCU CLOC/NFCU Cash Rewards/PenFed Power Cash Rewards/PenFed Pathfinder AMEX - $60k total revolving
EQ/EX/TU: FICO 8's Sept 2019: 696/676/670, 25% utilization, INQ's: 0/0/1
New approvals based on this data: Costco Anywhere Visa $5500, NFCU Platinum $25k
Message 4 of 11
Regular Contributor

Re: Worried! Forgot a creditor

Ok @Steeler,
So how do I go about getting that account discharged now?
BK7 DC 1/2/2018


Starting Score: 512 Experian Fico 1/7/2018
Current Score: EXP 639 // TU 638 // EQ 650
Goal Score: 680+ across the board by 2020
Message 5 of 11
Valued Contributor

Re: Worried! Forgot a creditor

Was your case No Asset?

How much is the debt you forgot to list?

If its a no asset case and its not a HUGE Amount money just give them a copy of the discharge paperwork.


You only really have to worry about when you have a Large debt that you forgot to list (say a mortgage or large personal loan) and especially if there were assets to distribute.








Family Member made me an AU on: 2008 Sears MC $2,001, 2016 SEARS Store Card $2,001, 2011 Synchrony Home $5,500 , 2003 FNBO Visa $9,900, 2008 Macys Amex $1900, 2008 Kohls $2,000, 2008 JC Penny $4,500, 2016 TJX Mastercard $1,500, 2019 SDFCU PowerCash Visa $10,000, 2018 AAdvantage Aviator MC $5,600, 2018 HSN $4,500, and 2016 Local Credit Union Visa $5,000. Waiting on them to all report over the next month... Only Kohls is reporting so far... WITH AGE. They use AZEO method.

Member of:
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DCU, NFCU, Comenity, Synchrony, Barclays, Discover, Amex, Webbank (Avant), Santander, Citi (Shell), DSNB (Macys), TDRCS (Target+Nordstrom), Capital One (Personal & Business, Kohls, and GM), CreditFirst(Firestone)
Message 6 of 11
Regular Contributor

Re: Worried! Forgot a creditor

Hi @MyDataMyChoice,

It was "no asset" and the unlisted debt was around $1500.

I'll give it a try. Thanks!
BK7 DC 1/2/2018


Starting Score: 512 Experian Fico 1/7/2018
Current Score: EXP 639 // TU 638 // EQ 650
Goal Score: 680+ across the board by 2020
Message 7 of 11
Regular Contributor

Re: Worried! Forgot a creditor

I did the same thing! I realized at my 341 meeting actually! It was very easy to include. I stopped by lawyers office paid a fee i believe 60 dollars and it was taken care of!

Message 8 of 11
Member

Re: Worried! Forgot a creditor

Our attorney has given us the same advice: if we realize that we left off any creditors, send them our notice of bankruptcy and discharge first to see if they'll cancel the debt voluntarily and if they won't, send him the information and he'll handle it for a fee of $60 per instance. Although our bankruptcy is freshly discharged, nearing the end I found a creditor that we didn't list (a medical debt of less than $1,000). I notified them of the bankruptcy case over the phone, they requested paperwork (notice of bankruptcy and case number), and they canceled the debt without any other action.

Message 9 of 11
Frequent Contributor

Re: Worried! Forgot a creditor

You can add a creditor for a small fee. You can also print a copy of your bankruptcy petition on PACER and mail it to the creditor. Just make sure you call and find out the address to their bankruptcy address (or which ever address you're supposed to send that type of mail to).

Filed Ch7: 6/21/17
Discharged: 10/03/17
Current FICO8 Scores as of 2/10/2019: EX 651, TU 678, EQ 679
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Message 10 of 11
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