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Yes, it is still considered your debt, even though you have had a bankruptcy discharge. You could try reopening the BK filing and adding the debt on. That however is complicated and expensive. Your best option IMO, is negotiate with the creditor.
The Bankruptcy Code says a debt is not wiped out if it was not listed (see 11 U.S.C. 523(a)(3)), but there is some case law (not applicable in all jurisdictions) that says it IS wiped out in a Chapter 7 case IF it was inadvertently missed, IF the Chapter 7 was declared a "no asset" case, and IF the debt was of the sort that it would have been discharged had it been properly listed.
In this situation, one could call their bankruptcy attorney and ask how much it would cost to reopen the case and add the creditor to the bankruptcy. The Court charges a reopen fee of $155.00 and an amendment fee of $26.00, plus the attorney would charge his or her fees to do the work. Then, one could ask the medical creditor how much they would settle the claim for.
Whichever is cheaper is probably the best thing to do.
Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.
What else can I help you with?
How do you write a motion to dismiss an old IRS tax debt and include it on my bankruptcy?
If there is a judgment in a court for the IRS debt, you do not need to file a motion to include it in your bankruptcy. If the tax due was determined more than 3 years before the filing date, you include it in your Schedule F. If you have already filed your bankruptcy documents, you need to file a motion to amend Schedule F with the bankruptcy court. If the case has been closed, you will need to reopen the case, paying the filing fee, and then your motion to add the debt.
Do you get tax refund after bankruptcy discharge?
Depends on if your due a refund to start...and if it was taken from earnings before your filing or after.
Can an LLC claim bankruptcy if it owes state taxes?
Any corporation can file for bankruptcy, whether or not it owes taxes. If the corporation is to be liquidated, any taxes it owes are the first priority to be paid, before the debts owed to others.
Can creditors classify an account as a charge-off because it was included in a chapter 7 bankruptcy?
Yes and no. If an account was already charged-off before the bankruptcy, it can be reported as a charge-off. By law, the creditors must charge-off accounts included in bankruptcy, BUT they can not REPORT that charge-off if it happens AFTER the bankuptcy. Negative reporting on discharged debts is a violation of the permanent injunction of the discharge.
Should you spend your tax refund before you file for chapter 7 bankruptcy?
If received for last year yes. the one for next year, received after filing, no.
Can you add medical bills to an existing Chapter 13 bankruptcy?
Yes, you can amend your bankruptcy, usually for a fee that is passed on to you from the court. You should contact your attorney to add your medical bills before you bankruptcy is discharged and to reconfigure your bankruptcy plan.
If you have affordable auto insurance before filing bankruptcy based on good credit do you have to tell the insurance company you filed?
BK will not affect any insurance policies that are already in effect.
Medical condition that you had before you got a policy from an insurance company?
pre-existing
What are the benefits and coverage options available under cobra plans?
COBRA plans provide continuation of health insurance coverage for a limited time after leaving a job. The benefits include maintaining the same coverage as before, but at a higher cost. Coverage options typically include medical, dental, and vision insurance.
Do medical insurance billing and coding get drug tested before position?
injection for 724.2
Does travel insurance for Europe include hospital insurance?
"That depends on what kind of travel insurance policy you are refering to. There are insurance policies you can buy that cover medical attention. Many times you must pay ""out of pocket"" but the policy will reimburse you. Check all the details of a policy before you make your purchase so you will get the coverage you think you may need."
What are some good medical insurance companies in California?
The best medical insurance companies in California are Blue Shield, Connecticut General Life Insurance, Kaiser Permanente, Aetna and Health Net. Remember to ask for a quote from multiple companies before you purchase the insurance.
What is a heath insurance deductible?
Its what you are required to pay out-of-pocket before your insurance will cover the costs of your medical bills. Sometimes known as "co-pay".
What is heath insurance deduction?
Its what you are required to pay out-of-pocket before your insurance will cover the costs of your medical bills. Sometimes known as "co-pay".
What is the meaning of pre existing?
Preexisting means something that already exists, or exists before this point. For example a preexisting condition in relation to medical insurance is an illness that you have before you take out the insurance.
What are three reasons a claim can be returned by insurance companies?
Medical expenses were incurred before insurance coverage, noncovered service deemed not a medical necessity, provider's address, PIN, or group number is missing.
Do you have to get credit counseling before you can file for bankruptcy?
You do not have to necessarily get credit counseling before you can file for bankruptcy.
