Waretown, NJ Bankruptcy Law Firms & Lawyers

Yes. In bankruptcy, valid noticing to all creditors is required and inadvertently non-noticed parties should be added to the bankruptcy case creditor-list if discovered during the pendency of the case. However, from a practical standpoint and given 9th Circuit (which includes CA) authority that provides for presumptive discharge of otherwise non-contestable debts in a no-asset case notwithstanding lack of notice, then you should be all right, with no need to incur costs to reopen the case and add missing addresses (insofar as you can obtain the addresses). If collection upon the debts in question should occur, provide them with proof of discharge or contact an attorney if the problem persists to consider a "violation of discharge" action. This answer (by San Diego bankruptcy attorney, Asaph Abrams) doesn't address all facts & implications of the question; it's general info, not legal advice to be relied upon. It creates no attorney-client relationship; it may be pertinent to CA and/or its Southern District Bankruptcy Court only, and it's independent of other answers. It may be time sensitive, as in past the "Use by" date: laws and case law change. Hire legal counsel before acting or refraining from bankruptcy/legal action.

It is almost impossible, short of bankruptcy, to get yourself off a defaulted loan as co-signor. That was the point: that you guaranteed payment in the case of default. A co-signor is only required with loans with high risk of default.

You should talk to an attorney about your situation to see what is best for you. You have to list all of your debts when you file bankruptcy whether you intend to pay them or not. The fact that you filed bankruptcy will show up on your credit report. If you chose to pay certain creditors, you can do that after you file your bankruptcy. A bankruptcy does not prevent you from paying anyone, it only prevent creditors from coercing payment from you. A creditor will likely show the debt as discharged in bankruptcy whether you pay them back or not. Generally if your debts are serious enough for you to consider bankruptcy, it doesn't make economic sense to fail to take the full benefit of the bankruptcy law and come out of the bankruptcy owing additional debt.