What happens if a Creditor was not listed on my Chapter 7 bankruptcy and is now asking me to pay?
If it is discovered that the creditor is missing during the life of the bankruptcy (before discharge), we can add them for you.
- If it is discovered that the creditor is missing during the life of the bankruptcy (before discharge), we can add them for you. The court charges a $31 fee to add as many creditors as you want at one time. We need a copy of the bill or statement that you received from the creditor and a check to Slayton Law for $31 and we will prepare the paperwork that you must sign. Once you have signed, we will file it with the court and serve the creditor.
- If the creditor was not specifically listed in your Chapter 7 bankruptcy that has already been discharged, but your case was deemed a “no distribution” case because the Trustee did not pay any money to your creditors (95% of cases), the debts will still be discharged.
- Give the case number of your bankruptcy to the creditor and tell them theirs was a pre-petition debt that was discharged in the bankruptcy.
- If you have given the case number to the creditor and they still persist in contacting you, Slayton Law can send a letter to the creditor with the case law and demanding that they cease any contact. Our fee for this is $100, since it was not included in the original bankruptcy.