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Adding a Creditor After a Chapter 7 Filing If you do miss one, you will have to pay a fee to have your petition amended. If a creditor is not listed in your Chapter 7 and your filing is declared a ?no asset? case, even omitted creditors are considered discharged in most jurisdictions.
To get debts discharged through chapter 13, you must wait four years after filing a chapter 7 bankruptcy. You can file for chapter 13 before four years if no debts were discharged in the chapter 7 filing. If you had debts discharged in Chapter 7 and want to have debts discharged in chapter 13, you must wait four years.
What is The First Step In Filing For Bankruptcy? After you have decided to file for bankruptcy, the first step is to file a petition with the Bankruptcy Court. On the petition, all your of your debts and property must be listed as well as other schedules of assets and liabilities.
Answer. It depends. Most courts, but not all, will discharge an unlisted debt if your creditors didn't receive any money in your case. However, in all jurisdictions, a defrauded creditor can ask the court to reopen your bankruptcy and hold you liable for an unlisted debt.
The order of claims in bankruptcy starts with creditors who provide services or goods after bankruptcy is filed. Post-petition administrative claims?that is, creditors whose claims arose after the debtor filed for bankruptcy, for the actual and necessary costs of preserving the estate?usually have first priority.