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On the debtor's side of things, if you haven't received a discharge, there is an option to amend your case which will allow you to add the creditor you missed. If you have already received a discharge then you must file a motion to reopen the case then go and add the omitted creditor.

In this instance, a majority of courts have held that the debts owed creditors inadvertently omitted from the bankruptcy schedules will still be discharged (as long as this debt was incurred prior to the date the bankruptcy was filed).

Judd, in a no-asset Chapter 7 case, debt to an omitted creditor is deemed discharged, and the debtor is not obligated to notify the creditor. The logic is that because there are no eligible funds available for distribution, amending or reopening the bankruptcy case is essentially worthless.

Wisconsin Chapter 7 Bankruptcy Exemptions Under Wisconsin state law, you can exempt: $75,000 of the equity of your primary residence ($150,000 for a married couple)

If your currently monthly household income is less than the Wisconsin median income for a household of your size there is a presumption that you pass the means test and are eligible to file a Chapter 7 bankruptcy.

You can only file a Chapter 7 once every eight years. You can file Chapter 13 more often, even if you've filed a Chapter 7 within the past eight years. Generally, you should not consider filing unless you are several thousand dollars in debt.

Chapter 128 gets its name from the Wisconsin state statute it falls under, 128.21. The main intention of Chapter 128 is to repay debt without filing bankruptcy.

To file a Chapter 128 Debt Amortization Plan, the individual must be a Wisconsin resident and must be able to prove he/she has a consistent source of income. When filing for a Chapter 128, an Affidavit of Indebtedness must be submitted along with a Petition to Amortize Debts and an Order.

A bankruptcy drops off your credit report after 10 years if you file for Chapter 7 bankruptcy, or after seven years if you file Chapter 13 bankruptcy. As long as it stays on your credit reports, a bankruptcy can hurt your credit scores, but its impact on scores lessens over time.