Should I include debt that has fell off credit report for chapter 7 or 13? I do not remember who I owed and do not know how to find it.
You should do your best to include all of your creditors. If it is not on your credit report, you can't remember the creditor, they don't have a judgment, you haven't given them a mortgage or a financing statement, you can't locate a promissory note or other billing statement, you dont have their credit card in your possession, then you've done your best to locate your creditors and you should be fine.
I am happy to answer general questions about my practice areas on this website. . However as I'm sure you understand we do not have an attorney/client relationship. Therefore my suggestions do not constitute legal advice. I urge you to contact counsel in your jurisdiction from whom you feel you can obtain trusted information. http://www.drescherlaw.com
You should do your best to list all debts you owe, even if it is no longer on your credit report. However, you are not required to be perfect, so if you overlook a debt, you may be able to add it on later or even have it considered to be included if you have a "no asset" Chapter 7 case.
Hope this perspective helps!
I also have clients list creditors that they think they may owe and list them as notice only. Keep in mind that you may be able to add creditors post filing. Sometimes the creditors that you thought went away suddenly appear again because the bankruptcy is public notice and will appear on your credit report.
This is for general information solely. The actual outcome of your particular situation may be different depending on your specific facts. This does not constitute an attorney-client relationship.
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