When filing bankruptcy, you usually receive your discharge, and your case closes. But what happens if you find out your case is being reopened or you need to reopen it?
Reopening a case can happen for various reasons. Most commonly, it could be that something was unintentionally left off your bankruptcy schedules. When you file bankruptcy, you must list all assets you are entitled to or have an ownership interest in at the time of filing. Leaving something off, even if unintentionally, will likely result in the need to reopen your closed bankruptcy case and amend your schedules. Another common reason you may need to reopen a closed case is if you unintentionally did not complete your second credit counseling course. To receive a bankruptcy discharge, you must file a second credit counseling course before the discharge date.
If you need to reopen your case, the process is fairly simple. You will need to file an application with the bankruptcy court stating the reason you wish to reopen. If the Judge grants the application, your case will be reopened, and your trustee will be re-appointed (or a new one assigned if the original is unavailable). You will then be allowed to amend your schedules or complete whatever task was set out in the application to reopen.
If your case is reopened, it will eventually close again after you have completed the task you needed to, the trustee has done their due diligence into your amendment, or the trustee has administered any assets.
If you find that you have mistakenly left off assets, have not completed your credit counseling course, or have concerns that your case may need to be reopened, reach out to your attorney. They will best be able to advise you.
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