Technically, any creditor that is not included in your bankruptcy filing can still approach you later to collect the debt. Alternatively, the credit company can sell your debt to a more aggressive collection firm that will contact you for payment. However, if you include the account on your Schedule of Unsecured Creditors, you cannot be legally pursued later. Your bankruptcy attorney St. Louis MO Tobias Licker offers a free consultation for more information about any question that cannot be answered through the general answers on this website.