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hello this is David Siegel thanks for joining me Im a bankruptcy attorney in Chicago Im going to answer a question that I get semi often from clients and that is what if I forget to list the creditor is the debt going to be eliminated or am I stuck with it in Illinois the answer is the debt will be eliminated this is under the case of in ray mendiola which stood for the proposition that stated as long as that creditor would not have objected or have a basis to object then the debt is eliminated for example if somebody leaves off a medical bill or a personal item that they didnt know they had a debt on then the creditor really isnt harmed when they find out later that the person filed for bankruptcy we do the best we can to have the clients provide all the information regarding their debt including pulling a credit report that works specifically with bankruptcy cases however oftentimes not everybodys on the credit and a creditor will get left off from time to time inadvertently the