What if I forget to list a creditor on my bankruptcy papers?
You are permitted to file an amendment to your schedules up to a certain time before discharge. If the amendment is timely filed, then the omitted creditor is added to the bankruptcy. However, if you fail to list a creditor, you may not be able to use the bankruptcy laws to protect you against that creditor, although there is case law that discharges an unlisted creditor in a Chapter 7 no asset case. However, it is in your best interest to list every creditor, whether or not you dispute his/her claim against you.