Failed To Add A Creditor
One of the most common errors that occurs in a bankruptcy filing is forgetting to add a particular creditor. Typically, this is not an issue over which to lose sleep. However, it is important to notify your bankruptcy lawyer as soon as this omission comes to your attention. Generally, your bankruptcy lawyer will be able to file and amendment to add the creditor to your filing. However, there are certain situations where filing an amendment may not be available.
Making the decision of whether or not to file bankruptcy is a difficult one. If you’re currently in that position, one of the first steps to take is to get your complete credit report. This way, you will be able to identify each of the current creditors that is reporting to the various credit reporting agencies. Taking this step is one of the first ways to avoid missing adding a creditor to your bankruptcy petition. In some instances, even after your bankruptcy case has been closed, you may still be able to discharge a debt that has been brought to your attention after the closing of your case. If this happens to you, notify the creditor that you have filed bankruptcy and provide the filing date, as well as, your case number.
One of the most commonly forgotten debts are those associated with medical treatment. If the medical treatment from which the debt arose were provided prior to your bankruptcy filing, that debt may still be dischargeagble. While you may still have to litigate these debts in front of a judge, typically, upon providing your bankruptcy filing documents, the creditor will likely not pursue the debt.
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 MI, get a free consultation with bankruptcy lawyers in MI near you.
