Under 11 USC 523(a)(3)(A), a Chapter 7 discharge does not discharge a debt neither scheduled nor listed by the debtor with the creditor’s name and address in time to allow the creditor to file a timely proof of claim unless the creditor had actual notice of the bankruptcy in time to file a timely claim or the Chapter 7 is a no-asset case in which no claims are filed. Here, the bankrupt debtor correctly listed Jefferson as a creditor but gave the wrong address so Jefferson never got notice of the bankruptcy proceeding. The debtor had assets and claims were paid, although only a small amount. Because the debtor did not properly list Jefferson, Jefferson’s entire claim was nondischargeable even though had it filed a timely claim it would only have recovered a small fraction of the claim from the bankrupt estate.