Addition Of Creditors

[Raven43]

How long after you file can you add a creditor if they were not on your original list.

My 341 was June 5th but i just recently got a letter for a creditor i didnt remember from yrs ago. its only for $132 but might as well include it.

[justplaintired]

I believe to amend may be more costly at this point then just paying the $132. I would think you should speak with your attorney and find out for sure.

[liz417]

My attorney charges $175 plus court fees ($26) to add creditors, it wouldn't be worth it to me. All unsecured debts will be discharged regardless if you listed them as long as the debt was incurred BEFORE you filed.

[aces67]

My attorney charges $175 plus court fees ($26) to add creditors, it wouldn't be worth it to me. All unsecured debts will be discharged regardless if you listed them as long as the debt was incurred BEFORE you filed.

So how does that work exactly? I just found out about a hospital bill for $500 from 1 1/2 ago that I had forgotten about. They aren't on my creditor matrix and I'm due for discharge in just a couple of weeks. Should I add them or not?

[lrprn]

The court charges a $26 fee to add a creditor to your matrix after filing. Talk with your lawyer to see if your local court is one that discharges all debt that would have been discharged whether they were added to the matrix to start with or not. Some do, and some don't.

If yours is one that only discharges what was on the matrix, then as other members have already said, if your lawyer is going to charge you extra plus the $26 to add the creditor to your matrix after filing, if the total amount to add the creditor is more than you owe them, then just pay off the creditor. However, if the bill is more that the filing fee plus lawyer charge, then it makes sense to pay to have the creditor added.

[music12]

or, if you choose not to add the creditor then you could still inform the creditor of your bk and see if they leave you alone.

i thought in no-asset cases, creditors not on the matrix still get discharged. i thought districts differ only in asset cases, but i guess based on lrprn's post, that i'm wrong...

[MrSmithster]

you can do it yourself also. very easy. i added a creditor 2 wks after my 341, I filed it in person, paid the 26 bucks. along with the amendment to form F, I included a "service list" showing who I notified, you will have to notify creditor and tt yourself. the hardest part is converting both court pdf's to another format(i converted to word docs) so they can be filled in, unless you have full blown adobe. then again, $132 bucks, years old? maybe try offering them $50 to pay it off? advise them otherwise they get nothing

[MrSmithster]

also, give them your case number, just for fun, i doubt they are going to pursue for that small amount