A debtor cannot always be sure that a debt has not been sold or assigned to a collection agency or other third party debt collector source. Nor can a debtor be 100% sure that the creditor might not reactivate a past due account for collection at a later date.
As such, it is always a good idea to include all outstanding obligations within a bankruptcy filing on the appropriate schedules.
By including all known debts in a filing, this will ensure that all debts and obligations are discharged when the Order of Discharge is granted by the bankruptcy court.
For complete forms, overviews and instructions in a simple-to-use package, please review Standard Legal’s Bankruptcy legal forms software.