As soon as a debtor realizes that a creditor has been omitted, the debtor should notify his or her attorney with all of the information necessary to complete the schedule (the amount of the debt, the type and value of any collateral, and the name and address of the creditor). The attorney can then advise the debtor about what additional action, if any, is necessary. If an omitted creditor demands payment of the debt, the debtor should inform the creditor of the bankruptcy.
photo credit: Flооd via photopin cc
What should debtors do if they forgot to list a creditor in their bankruptcy schedules?
