If a Creditor Was Charged Off, Do I Still Need To List Them?

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In a Nutshell

Just because a creditor has charged off a debt doesn't mean that you don’t owe it anymore. That's why you'll still need to list the creditor on your bankruptcy forms. Having a debt charged off only means that the creditor has decided the debt is uncollectible for accounting purposes.

Written by Kristin Turner, Harvard Law Grad.
Updated April 19, 2022

Yes, you need to list every creditor, including creditors that have charged off a debt. When a debt is charged off it doesn'tmean that you don’t owe it anymore. It only means that the creditor has decided the debt is uncollectible for accounting purposes.

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Written By:

Kristin Turner, Harvard Law Grad

Kristin is a recipient of Harvard Law School’s Public Welfare Foundation A2J Tech Fellowship. At Harvard Law, she served as a member of the Harvard Defenders, the Women’s Law Association, and the Harvard Law Negotiation Review. She was the 2016 – 2017 president of the Harvard Bla... read more about Kristin Turner, Harvard Law Grad

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If a Creditor Was Charged Off, Do I Still Need To List Them?

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