It is not uncommon for individuals who are so debt ridden to lose track of some of their creditors. When the financial situation gets really rough many debtors tend to try and hide from the bill collectors. For this reason some will hold off filing for bankruptcy because they are afraid of making an error of omission on their bankruptcy filing.
The bankruptcy rules state that you must make a list of all the creditors that you are aware of and where they can be reasonably located. The Courts are also aware that on occasion a creditor could innocently be overlooked. The safest approach is to take the time to sit down and go through all your old papers and seek out potential creditors who you think may have a claim against you. Add these to the list that you have prepared of known creditors.
When it comes time to filling out the Bankruptcy papers there will be several schedules that you have to fill out concerning your creditors. There will be a schedule for your secured debts. These are debts like your mortgage and car loans. There will be a schedule for priority debs like taxes and child support. Then there will be a schedule for unsecured debts like your credit cards. These individual schedules will help to jog your memory about who your creditors are.
Your Houston bankruptcy lawyer will guide you with completing the necessary forms for your bankruptcy and there are a lot of them. They can get confusing and this is one of the reasons why you want to have legal counsel assisting you.