In a Chapter 7 proceeding,an unsecured creditor who files a claim with the court after the deadline because he is too busy planning and going on a vacation would be totally unable to collect.

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While it's generally important for an unsecured creditor to file a claim by the deadline in a Chapter 7 bankruptcy case to participate in any distribution of assets, there may be exceptions or allowances made under certain circumstances, though being too busy due to vacation planning is unlikely to be considered a valid reason. However, stating that the creditor would be "totally unable to collect" is too absolute, as there might be rare scenarios where exceptions could apply.

In a Chapter 7 Proceeding,an Unsecured Creditor Who Files a Claim