This actually depends on the facts of your particular bankruptcy. If the creditor had actual knowledge of your bankruptcy, then it's the same as if the creditor were actually listed in your papers. However, if the creditor didn't have actual knowledge, or, more commonly, you lost track of one or more creditors and had no way to identify them in your bankruptcy schedule, the chances are still good that the debt will be considered discharged. If yours was a no asset case (that is, all your property was exempt), the debt is considered discharged unless, by being left out, your creditor lost the opportunity to contest the discharge on the ground that the debt was caused by your fraudulent or embezzling behavior, or by a willful and malicious act. It is often possible to reopen the bankruptcy and let the bankruptcy judge rule on whether the deb is, in fact, dischargeable. If the creditor sues you in state court for a judgment, you could argue the issue in that forum or have the case removed to bankruptcy court.
If yours was an asset case-that is, at some point in your case, your unsecured creditors received some property from your bankruptcy estate-your situation is more difficult. Your nonexempt assets were already distributed to your other unsecured creditors, so the omitted creditor would be unfairly discriminated against if the debt were discharged. If the debt is a large one, you might want to hire a lawyer to reopen the case and argue that the debt should be discharged due to your particular circumstances.
Answered on Feb 18th, 2011 at 10:32 AM