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Worried! Forgot a creditor

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Re: Worried! Forgot a creditor

Oh and depending on the creditor, they most likely already received notice of your filing via the EBN (electronic bankruptcy notification) system that every major creditor uses. Your attorney sending a letter should be sufficient if they are unaware of the filing, though. Especially if it is a no-asset Chapter 7 case and the debt you forgot to list is unsecured. As long as the debt existed prior to filing (unless its a high amount within the past 90 days before filing...then the creditor might object..but that is a totally different story), it will be discharged along with the rest of your debts. Sorry for rambling. Hope this helps.

Filed Ch7: 6/21/17
Discharged: 10/03/17
Current FICO8 Scores as of 2/10/2019: EX 651, TU 678, EQ 679
My Cards: 1FBUSA $2,900 (survived BK7 and is my oldest account!), Fingerhut $1,100, CreditOne $900, Ollo Rewards $2,500, LendUp Arrow card $2,000, CapitalOne Platinum $3,000. GARDENING FOR THE NEXT TWO YEARS!
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