I filed BK 7 in August, and it was discharged in October. In April, and on August 2nd, I had to make trips to the emergency room. My insurance covered most of the bills, and a secondary insurace was supposed to cover the rest. Now, I find myself going back and forth with the secondary coverage about paying the remaining amounts on the medical bills. I don't want these medical bills to ding my credit report now that I am post BK. Since I filed in August, and these medical expenses were incurred prior to filing, are those debts discharged even though I did not list them? Is there anything that needs to be amended to include these bills?
You need to get your case reopened and try to get these added. Please see your BK lawyer for this. I think there's a better than 50% chance you'll be successful. You weren't trying to leave them off. You had a reasonable expectation that they would be covered by the insurance.
