Expert: Mark J. Markus- California Bankruptcy Attorney - 9/14/2006

Question
Hi

Thank you for your fast response.  I apologize, I filed my bk in Redding, CA.  The creditor is pacific bell for a phone bill, was not listed in my bk, so is it still dischargeable?  Do I need to call the creditor and give them any information.  Thanks again.
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Followup To

Question -
I have a question.  I filed for bankruptcy and received my discharge in june 2005.  I just now received a notice from a collection agency for a debt I completely forgot to include.  Am I still able to include this by doing an amendment?  If so, is this process hard?  I retained an attorney for my bk, do I need to obtain an attorney for this as well?  Thank you very much for your time.

Answer -
If you filed a Chapter 7 and it was a no-asset case, then in most jurisdictions (you don't indicate where your case was filed) you don't need to do anything.  The debt was discharged.  (Unless it was a debt that isn't dischargeable, such as certain taxes, student loans, domestic support obligations, etc.).

Answer
Again, assuming it was a no-asset chapter 7 case, it's not dischargeABLE--It was dischargED.  You should provide PacBell with a copy of your discharge notice.  If they take any further collection actions, you can seek a contempt sanction against them with the bankruptcy court.