Forgetting creditors?

[LAKERHIGH]

What happens if you forget a creditor or two (there is one or two that I do not remember) then file C7 and find out a year or two later or you get a summons for the ones you forget? If you go C7, is it fact that all credit card debts acquired before C7 have no merit?? I know there were one or two from 3-5 years ago that I can not find.

[PaKettle]

Do you owe these old credit accounts? If you owe them nothing, then you don't have to list them.
They should appear on your credit report. You can get a free copy of your credit report right now online. Look here in this site for the link, I think it's a STICKIE at the top of one of the forums about Credit Reports.
That said, if you forget one, I believe at least in some states it is still discharged.
But I'd run a credit report - it should be there if you owe them anything.

[LAKERHIGH]

Yes I owe some. I reside in NY. I will try my best to find all. Thanks

[aachudneymiles]

Yes I owe some. I reside in NY. I will try my best to find all. Thanks

this is what i did, I had old credit reports from atleast 3 yrs back to current, I listed every tom dick and harry. Then my hubby and I sat down and went over it to see if we had any lost ones that may try to pop up later.. but I know you can reopen a chp7 in my district. I dont know the timeframe. Also there is a fee for this around 200-300 here plus you would have to amend the schedule which is another 26.00.. I would call your district bk court clerk and ask, I know when I amended my schedule f they told me fees and required Docs.