Recently Discharged and Closed, forgot Medical Bill...now seeking payment

[NEWLIFE1949]

Hi All! My husband and I have been lurking around here for a long time now, just never signed up. We were recently discharged and closed in December with our No Asset, CH7. We completely forgot about a medical bill we had. It was one of those things where we didn't get notices or calls everyday like the CC's, so it slipped our mind. Anyway, we just received a letter from a law office about our medical bill and was wondering if I had to re-open our case or we could just send them a copy of our discharge and closure, even though they weren't included in our Chapter 7.

[keepsmiling]

Yes, since you were no asset, you can do what you said, send them a copy and done.
Welcome and congrats on your discharge.

[lichteda]

keepsmiling,

So even though the bill was not included in the BK7 it can still be considered discharged?

[justbroke]

It's not "considered" discharged... it "is" discharged. Even though it was not in the filing. All you need to do is send them a copy of the discharge order along with a nice letter telling them that "the debt was discharged in a bankruptcy on XX/XX/XXXX and a copy of that discharge order is attached". Make sure you tell them, in the letter, that any further collection activity would be a violation of the permanent discharge injunction and may subject them to an award of damages.

In 99.99% of the cases, they will go away! They should go away because a discharge wipes "all" debt that arose prior to the filing of the petition.

Send the letter and copy of the discharge order certified mail return receipt requested.