Hi - my name is XXXXX XXXXX I'm a Bankruptcy litigation attorney here to assist you.
Are you in a Chapter 7 bankruptcy?
Yes, in a Chapter 7, you can add a new creditor at any time. You will have to file a motion to amend your petition to include this creditor, and you'll have to give good cause why you need to add the creditor/why you didn't list the creditor initially.
It is generally easier to add a creditor before a 341 meeting, but if you've already passed that, there's nothing you can do about it. Instead, all you can do is file the motion to amend and tell the judge why you didn't include the debt in the first place. The most common answer is that you were going to try to maintain this debt and keep it because it was your living quarters, but you've now realized that you can't keep it.
Again, you should be able to get this done, but it may take a hearing in front of the judge to get it done if the trustee objects.
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