Your attorney is suppose to send a letter to the creditors asking if they would like to included on a the bankruptcy payment plan. The creditors have 30 days to respond. If they don't respond, then you don't owe them anything. Most likely they will charge it off as bad credit to the credit agencies.
No, but you will be protected under the stay for as long as the Ch. 7 is active (not been discharged or dismissed), and you have alotted amount of time to add creditors.
Yes it is. The presumption of bankruptcy is that all of the bills that were owed will be discharged at the time. If for a reason the bill that wasnt listed came up it can still be discharged by the court. Your attorney can file an addendum for this with the court after wards.
Yes you can re-open your BK to add a creditor. however, if it was a no asset case, there is no need to add them as their debt would be considered discharged.
Once the debt is discharged, a creditor cannot reinstate it, even if you win the lottery.
A creditor cant take you to court over a secured debt. However, if they have a security interest in any of your property, they can still foreclose on that property.
You should have no problems filing an amendment to add the creditor.
If it was discharged, then you don't owe it anymore. However, you can't just assume that any particular debt was discharged by the bankruptcy, it has to be specifically listed. In particular, you probably cannot keep your house AND get your second mortgage discharged.
Yes, but child support is not discharged in bankruptcy.
If your bankruptcy was "discharged" in 2000, then yes. Discharged means it is done! If you are still in a chapter 13 bankruptcy, still paying the trustee--then no. If the trustee finds out about the CD, it will cause lot of problems.
No, they can't. Assuming they were included in the bankruptcy proceedings and did not file a counter suit for dismissal and win. If they were included, the banruptcy was granted they are violating a court order by trying to sue you. Which is, obviously illegal.
If it is chapter 7 and has not been discharged then, no. If it is a chapter 13 then the bankruptcy filer would need the permissin of the trustee to make any major financial transactions.
If bankruptcy is over and the debt was discharged, they creditor is forever barred from taking any action to collect the debt. If the bankruptcy is still pending, the debtor cannot contact you without permission from the bankruptcy court. In either case, you may have a claim for damages against the debt collector.