Surgery before filing

[sickandtired8]

I had surgery a month before filing and did not have a bill to turn into the lawyer. I now have the bill. Is it too late to turn in or will I need to pay this? I did tell the lawyer that I had surgery but he did not ask about the bill from surgery. I have been on short term disability. Do you think it is a red flag since I did not put the surgery down on the list of creditors? What shall I do? Thanks for your help! S&T

[keepmine]

Oh ya amend your filing to include the bill.
You didn't really need a bill to schedule the creditor.Debt could be listed as a contingent/unliquidated liability.

[JRScott]

Since you've already filed, and the surgery was before the filing of the BK it could have been included. You'll have to get your filing amended to show the surgery. It will cost some money but if you take it to your lawyer and explain to them they should be able to help you.

[BassBoy]

If your case is a Ch.7 and will be a no asset, you don't necessarily need to add the creditor because ALL debts are considered discharged in a Ch.7. But again, only if you are a no asset. If you are an asset case, the creditor would not be able to "share" in the asset distrubution, so you would ultimately have to pay the bill if you did not add the ceditor.

To be safe, and to give yourself some piece of mind, you may want to amend your petition, so you've got all bases covered.

[BKTango]

Follow Bassboy's advice, and just speaking from my own experience, I had the same thing happen with a doctor's bill. After contacting my lawyer he advised me, not to worry about amending the forms as it will be considered sicharged anyway. Contact your lawyer to be on the safe side, if the bill is quite large it may be best to amend the forms just to be safe, however it will cost you to do that.

[JollyGG]

I had a medical bill from about 6 months before filing that we intentionally waited to add in the hopes that insurance would come through for us and pay for it. We added it after the 341.

[familyof7]

It is like 26 dollars to add a creditor

[sickandtired8]

It is like 26 dollars to add a creditor

I checked with the lawyer today and to add anything would cost one hundred and twenty six dollars! Please tell me the difference between a no asset case and an asset case. Thanks! SandT

[CindyLou]

If your case is a Ch.7 and will be a no asset, you don't necessarily need to add the creditor because ALL debts are considered discharged in a Ch.7. But again, only if you are a no asset. If you are an asset case, the creditor would not be able to "share" in the asset distrubution, so you would ultimately have to pay the bill if you did not add the ceditor.

To be safe, and to give yourself some piece of mind, you may want to amend your petition, so you've got all bases covered.

From what I've heard, the new law is a little tighter on creditors being added. I would certainly add this and any other bills your come across in the next few weeks or months.

[JRScott]

I checked with the lawyer today and to add anything would cost one hundred and twenty six dollars! Please tell me the difference between a no asset case and an asset case. Thanks! SandT

The base fee is 26 dollars to file with court, the other 100 dollars must be for the lawyer's time. Probably figuring 200 dollars an hour, he's charging you for half hour time to fill out the necessary paperwork and file it with the court.

Still probably better to pay the 126 and have it discharged then not to.

[CindyLou]

You can go to the clerk of court and file the additional creditor yourself and pay the 26.00. it doesn't matter if you already have a lawyer or not, you can still do it yourself.