Forgetting A Creditor

There are many common problems that arise when someone files a bankruptcy. Among these, is the failure to add a creditor to the filing. Depending on the situation, you may be able to fix this problem quite easily with the assistance of your bankruptcy attorney. If you are in a chapter thirteen filing situation, notify your bankruptcy lawyer about the issue. That way, they can easily file an amendment to add the the creditor. Further, if you're in a chapter seven filing, and have not yet had a 341 hearing, you can still have your attorney amend your filing to add the creditor as well.

When the time comes to decide whether or not bankruptcy is the right choice for your situation, one of the first steps to take is to review your credit report. Your credit report will provide you with a list of all the creditors that are reporting to credit bureaus. This can be very handy when it comes to identifying missing creditors. Even if your bankruptcy case has been closed, you still may be able to remedy the situation. In the event that a creditor contacts you following the closing of your bankruptcy case, then you may just want to notify them that you have filed and provide them with the salient information about your case including dates and filing numbers. Typically, any debt that you incurred up to your filing date may be considered for discharge. There are some debts that are not may not be discharged under the bankruptcy code but may fall under a bankruptcy exemption.

One type of debt that is often omitted from an initial bankruptcy filing is medical debt. These are debts that were incurred from having some medical treatment performed. Often times, if the medical services from which the debt accrued were provided prior to your filing, these debts may be wiped out. Sometimes, the creditor will continue to take action to collect this debt. However, if you present your filing to the creditor's lawyer or to the judge, typically the collections case will be dropped.

If you are deciding whether or not to file bankruptcy, are in the process of filing, or have a bankruptcy case that has already been closed, and the issue of an omitted creditor arises, you should contact your bankruptcy lawyer. If you can't get in touch with them, you can also contact another Michigan bankruptcy law firm about getting this problem fixed. The worst thing to do is to just assume that this debt has been discharged. It is in your best interest to discuss the situation with an experienced Michigan bankruptcy lawyer.

Getting help from a Michigan bankruptcy law firm is your best option to learn what steps you need to take when you have debt issues. A bankruptcy legal professional can help you understand which options are available to you.

Bankruptcy can be an effective means of eliminating debt. Often times, it is far more effective than debt consolidation or debt settlement/forgiveness. Debt consolidation relies on hopes that creditors will join in. If you are searching for a bankruptcy lawyer in Michigan, get a free consultation with bankruptcy attorneys in Michigan near you.