If a Creditor Was Charged Off, Do I Still Need To List Them?
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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 November 16, 2021
Yes, you need to list every creditor, including creditors that have charged off a debt. When a debt is charged off it does not mean that you don’t owe it anymore. It only means that the creditor has decided the debt is uncollectible for accounting purposes.
