Discharge of Debtor...HELP ME PLEASE

[myth]

In need of help please...Filed bk(Chapter 7, Missouri) and I was discharged in 12/27/00. Just recent, CRA sent me a credit report because I was denied a loan. From looking at my credit report, I had missed a few creditors(stupid me!...I received my credit report on an internet site vice one of the CRA's). Has anyone been through this scenario? What can I do at this point? It's been over a year since I've been discharge, can an addendumn be added to my bk? Will I have to go back to the court for another meeting? Any advice would be GREATLY appreciated.

 

[JETX]

Contact the attorney who handled your bankruptcy. He can ask to reopen the case and have an amended creditor list filed. And, yes, you will have to have another Section 341 (creditors hearing) in order to allow the 'new' creditors their chance to get you.

 

[racer72]

I just helped someone through a chapter 7 bankruptcy and she forgot a couple of creditors. I contacted each creditor and informed them that their debtor forgot to list them as a creditor on her bankruptcy and gave them 2 choices. The first was to continue collection of the debt so I could revise the petition or they themselves could discharge the debt and cease all collection efforts. Both were willing to discharge the debts. They both even sent letters of dismissal to the creditor and both letters state that they consider the debt to be dismissed in the bankruptcy. I don't know if they could come back later and try to collect but both original letters are now safely stashed in a safe deposit box just in case.

 

[myth]

racer72...

I have a few questions, may I contact you in private email? If so, please shoot me an email. Thanks for your time.

I just helped someone through a chapter 7 bankruptcy and she forgot a couple of creditors. I contacted each creditor and informed them that their debtor forgot to list them as a creditor on her bankruptcy and gave them 2 choices. The first was to continue collection of the debt so I could revise the petition or they themselves could discharge the debt and cease all collection efforts. Both were willing to discharge the debts. They both even sent letters of dismissal to the creditor and both letters state that they consider the debt to be dismissed in the bankruptcy. I don't know if they could come back later and try to collect but both original letters are now safely stashed in a safe deposit box just in case.