• Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

How To Add A Creditor In Chapter 7 Bankruptcy

When you file for a Chapter 7 bankruptcy the bankruptcy courts want to see a full picture of your current finances, including all your liabilities, assets, and a full list of all your creditors. This list of creditors includes everything from your mortgage holder, to credit card companies, to Aunt Bethel who loaned you a few hundred dollars. In order to capture all this information, the bankruptcy forms include Schedules E, D, and F, with different classes of creditors being listed on each schedule.  Bankruptcy courts in California also require a creditor mailing matrix, which is essentially just a list of all your creditors and their contact information so that the courts can inform them that you have filed for bankruptcy.

So what happens if you leave off a creditor by mistake?

Can you add a creditor in Chapter 7 bankruptcy after filing?

The answer is yes, but leaving off a creditor can complicate your bankruptcy process.

How to Add a Creditor in Chapter 7 Bankruptcy

First and foremost, you sign your bankruptcy petition under penalty of perjury; therefore, if you knowingly leave a creditor off, it could be detrimental. So please make sure you don’t do this.

The big repercussion from not adding a creditor in a Sacramento bankruptcy filing is that the creditor is not notified. If the creditor is made aware of your bankruptcy but isn’t included on the mailing matrix they can be proactive a file a proof of claim that basically adds them to the bankruptcy assuming they have a valid claim to a debt.

On the debtor’s side of things, if you haven’t received a discharge, there is an option to amend your case which will allow you to add the creditor you missed. If you have already received a discharge then you must file a motion to reopen the case then go and add the omitted creditor. This will only work if the bankruptcy court approves of the amendment.

When first filling out Schedules E, D, and F, as well as the mailing matrix, it is extremely important to go through the list with a fine tooth comb and ensure that every creditor is properly listed. If not, you risk not having the debt discharged, or the added time and expense of having to go back to the courts for amendments or motions. Please contact an experienced Roseville bankruptcy attorney before you file to go over everything that needs to be included with your bankruptcy petition.

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