Newly Discovered Creditors Debts you didn't list in your bankruptcy papers are not discharged unless the creditor actually knew you filed for bankruptcy intending to discharge its debt and had an opportunity to file a claim with the court or object to the discharge. This is in the judge's discretion and some refuse to allow amendment. The reasoning is that assets were seized and sold to pay listed creditors at least some of what they were owed. It would be unfair to the unlisted creditor who was omitted to allow the case to be reopened and the omitted debt discharged because the trustee would have already distributed your nonexempt assets to the listed creditors. It is not always clear into which category a creditor falls.
Reason is that a discharge simply says that all legally dischargeable debts are discharged.
They don't give you a list. In addition, if one spouse files for bankruptcy in a community property state, such as Texas, the other spouses share of the community debts are also discharged. If a creditor does try to collect a debt after your bankruptcy discharge, write the creditor and state that your debts were discharged. It is up to the creditor to establish that a specific debt was not discharged in your bankruptcy. If a creditor tries to collect a debt that clearly was discharged in our bankruptcy, you should respond at once.