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. 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.