Hello and thank you for allowing me to address your legal question.
The general rule is that if a creditor is not listed in your schedule, then that debt is not discharged. However, if you had a no-asset bankruptcy (i.e. there was no distribution to creditors), then the omitted creditor would have received nothing anyway, and therefore he was not prejudiced by not being listed in the schedules. In such cases, a judge will usually include the debt to those discharged if you file a motion.
However, if distributions were made to creditors, then the omitted creditor’s claim will not be discharged by motion since he was prejudiced by you failing to list him in your schedules (i.e. since you didn’t list him, he did not file a proof of claim, and therefore, he did not receive any of the distributions). The exception may be if you can show that he had actual knowledge of your bankruptcy despite not being listed.
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