In the matter of pre- or post-petition claims, it seems that there needs to be a further distinction: Did the liability arise before or after the petition ?
A: Now you're thinkin' like a lawyer.
To clarify, I amended my schedule to include debts that arose after the original petition was filed.
Am I correct in understanding your opinion that, because a creditor did not file a claim (or an objection) before the plan was confirmed, they still have a claim because they are not part of the estate having not done what they were required to do ?
A: No. I shall explain:
1. A creditor claim is part of the bankruptcy estate if the claim (i.e., "claim" meaning the right to payment -- something, which in your case is not at all certain to exist), arose before the filing of the bankruptcy petition.
2. A prepetition claim (above) is part of the bankruptcy estate, whether or not the debtor files a proof of claim.
3. A postpetition claim (one which arose after filing of the bankruptcy petition), is not part of the bankruptcy estate, unless the creditor chooses to include it, by filing a proof of claim.
4. The date of plan confirmation is irrelevant. The date that the claim arose, the date of filing of the bankruptcy petition, and the creditor's choice in filing a proof of claim, are the factors which determine whether or not a claim is part of the estate -- and thus, whether or not the automatic stay applies to that claim.
So, if you can show that this claim actually arose before the filing of the bankruptcy petition, then it'ss a prepetition debt, and that means it's dischargeable (unless the creditor proves that the claim was purpetrated by you as a fraud) and subject to the automatic stay.
Hope this helps