Hi - my name is XXXXX XXXXX I'm 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!
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).