After Chapter 7 is complete

[OP85063]

What is the name of your state?
New YOrk
After my case is dismissed,

let's say if I forget to to put a debt to get discharged, can I add it after my discharged is there a time limit to this?

Please i'll like to get some info on how this works.

Thanks

 

[Ladynred]

You would have to go thru the process of re-opening your case, filing amended schedules, the whole 9 yards and it WILL cost you fees for re-opening and filing fees.

In general, it isn't at all necessary to re-open a Ch 7 to add a forgotten creditor. In most districts, if your case was a no-asset Ch 7, ALL pre-petition debts are considered discharged whether you listed them or not.

 

[OP85063]

You would have to go thru the process of re-opening your case, filing amended schedules, the whole 9 yards and it WILL cost you fees for re-opening and filing fees.

In general, it isn't at all necessary to re-open a Ch 7 to add a forgotten creditor. In most districts, if your case was a no-asset Ch 7, ALL pre-petition debts are considered discharged whether you listed them or not.

You mean, like if I got any property, cars, any asset that was listed?

I don't have anything, nothing at all I have a 1997 Chevy Astro Van, with over 128K miles worth about $1500. I don't have anything else.

If there's any credit card company that is not listed, I can add them to the discharged?

 

[Gregeney]

A no-asset case means that all your assets were exempted and nothing was liquidated to be distributed to your creditors. Your case was likely a no-asset case.

What Lady is saying is that you probably don't need to reopen your case to add an omitted unsecured creditor. Someone familiar with your district should confirm but it is likely that all you need to do is send a copy of your discharge to that creditor and you will be done. In my district, it is not even allowed to reopen a case to add an omitted creditor because it is unnecessary.