Hi - my name is XXXXX XXXXX X'X a Bankruptcy attorney here to assist you.
Has your Bankruptcy case already been closed (in addition to being discharged)?
yes, in march 2012. This creditor is from 2004.
After a case has been closed, you can add a creditor, but you have to first re-open the case, and then file an amended Schedule with that creditor added to the list.
Actually, how do I know if it has been closed? My discharge paper just says discharged.
If your Bankruptcy was a no-asset case, then it is not necessary to add creditors, as all dischargeable debts are discharged in that Bankruptcy even if any creditors were not listed.
No asset case means?
You can find out if your case has been closed by going to the clerk in the Bankruptcy court.
No asset means you did not surrender any assets (such as real estate) to the Bankruptcy trustee.
OK, then if I need to re-open case do I see the clerk about that too?
Yes - you should be able to get the necessary forms and instructions from the Bankruptcy court clerk.
Thanks for your help.
And please have a pleasant day!
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