What if the debtor forgot to list a creditor in his bankruptcy schedules?
Generally debts that are not listed in a debtor’s bankruptcy schedules are not discharged. This means that the debtor will still owe the creditor even after his bankruptcy case is completed. Therefore, the debtor has a powerful incentive to list all types and manner of debt, no matter what the source. “Debts” includes any money owed or alleged to be owed to any creditor for any reason.