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this is one of those questions that requires kind of a multi-part answer first if the case is still pending the federal rules of bankruptcy procedure do permit you to amend your schedules to add creditors but there is a bit of a wrinkle here now if after the case has been closed you want to reopen it to add creditors the answer is no so how about a little bit of background here and whats really at at work one kind of a debt thats not dischargeable is a debt that you didnt list in your bankruptcy papers in time for the creditor to do one or some combination of two things what are those two things number one the creditor didnt get a chance to file whats called a proof of claim and the proof of claim is the way that the creditor gets added to the list of creditors who get paid out of assets of the bankruptcy estate so if for example you have a chapter 13 or chapter 11 where theres a a plan of reorganization and youre going to be paying creditors but you didnt list that particular
