Many people unnecessarily postpone filing for Chapter 7 bankruptcy out of fear that they cannot find a name and address for every single creditor to whom money is owed.

Similarly, other folks who have already filed a Chapter 7 case unnecessarily worry for years afterwards that a creditor may have been overlooked, and that the creditor is not clearly identified in the bankruptcy documents. They incorrectly believe that this omitted creditor can still sue and collect on the debt post-Chapter 7.