quick answer please

[lilkim]

i have got my 341 meeting aug.23rd... back before i filed in july i took out a 500.00 loan with a local loan company. no securred property involved... my question is, i owe them july payment and this months payment. can i still include them in my bk 7? i forgot about them until they just called me wanting their payment? what do i do??


thanks!!!

[HHM]

Ohh jeez, what are you doing taking out a loan right before filing bankruptcy. Was the loan taken out within 60 days before you filed for BK.

You have been around this forum long enough to know that was a bad idea.

Since you took out the loan right before filing BK, even if you list it, odds are you will have to pay it back as the creditor will object. However, if you list it, it becomes the responsibility of the creditor to appear and object, and because the amount is so small, they may not bother.

[lilkim]

is it not to late to list it since my meeting is alreday set? if not to late how do go about adding it? i know it was a bad idea, i was not for sure i was going to file when i got the loan.

[HHM]

Yes, you can amend your petition anytime before Discharge. To add a creditor, there is a $26.00 filing fee.

[invest1choice]

This may help..

http://www.southcarolinabankruptcy.com/nondischarge.html

Check this out it helped me out on the SC laws.