Amending Schedule F after 341?

[discombob1]

After reading the threads on ChexSystems, I requested my own report for after discharge cleanup. On that report is a charge-off from a bank for NSF fees that I don't remember (although I don't doubt it's accurate.) I didn't list this. In my original petition b/c I used my credit report to check my Schedule F and it wasn't on there. I had my 341 on 9/29, will amending the schedule now affect my discharge? The bank wass notified of the BK as I has two credit cards with them. Is it worth it to add this now?

Thanks!

[tcreegan]

Hi discombob,

Probably not worth amending at this point. Its not on your credit report, the bank has charged it off, it is kinda a 'ghost' acct. If they do come around and bother you about it, you can just send a letter and include the BK notice w/ case# and file data. Courts have been fairly consistent in ruling that the debt is still discharged if you forgot about and it didn't get listed.

Shouldn't be a problem, but I am not a lawyer, don't even play one on TV

Tom in Colo