Chapter 7 bankruptcies are either "no asset" or "assets available for distribution". A "no asset" bankruptcy is where there is nothing of value to be turned over to the trustee for distribution among your creditors. In such a case, many courts will allow an unclaimed debt or forgotten debt to be considered written off under the bankruptcy code. If this does not apply to your case or you are not sure, you can file an amendment to your schedule of creditors.  Ask your trustee about this or the person who prepared your documents.  Frankly, as a practical matter, even if your court allows this kind of write off it may be difficult to convince the creditor that the debt is no longer owed. An amended petition will solve this problem. Note:  If the bankruptcy did have assets available for distribution to creditors, then it will be necessary to file an amended petition to add on the debt after you file for bankruptcy.