Wichita Falls, TX Bankruptcy Law Firms & Lawyers

All debts and all assets must be listed in bankruptcy. If you have not done so, you must amend your schedules accordingly. You can reaffirm a debt such as an automobile. You can also redeem it by paying the cash value in full.

Don't take legal advice from your creditors.   That's rule #1.   If you file a bankruptcy case and receive a discharge, the discharge will include all debts that you owed on the date your bankruptcy case is filed.  So, if you incurred the debt you mentioned in May 2013 and file your Chapter 13 after that, the debt should be discharged unless it falls into one of the types of debts excepted from discharge. These exceptions include debts incurred through fraud, domestic support obligations, certain taxes and others.   As a final thought, if your lawyer is too busy to answer your questions, you may have picked the wrong attorney. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.  

You need to file an amended schedule, but which schedule depends on what kind of debt it is. Typically you will want to file an Amended Schedule F because that is the schedule for unsecured, non-priority creditors. However, you should check to see if the creditors that are calling you would fall into the category of an "unsecured non-priority" creditor (Schedule E) or a secured creditor (schedule D). There is a fee associated with filing a new schedule to add creditors, so be aware of the additional cost.