In Re Randall Todd Nielsen in Re Jerri Lea Nielsen, Debtors, Sharon White v. Randall Todd Nielsen Jerri Lea Nielsen

KLEINFELD, Circuit Judge:

This is a bankruptcy appeal involving a no-assets Chapter 7 bankruptcy. The issue turns on the effect of a debtor’s failure to properly list a creditor on the bankruptcy court’s mailing list.

Facts

Randall Nielsen ran a TV repair and satellite television business and needed a loan. Sharon White was his customer. She helped him get his loan by pledging her own certificate of deposit as security. He failed to pay the loan, and the bank took Ms. White’s money. Nielsen agreed to pay her back with interest, but he did not come up with the money. He and his wife later filed…