/ʌnˈʃɛdʒʊld dɛt/ – Phrase
Definition: Nợ không được lên kế hoạch.
A more thorough explanation: a debt that should have been listed by the debtor in the documents filed with the court during a bankruptcy proceeding, but was not
Example: Creditors will often simply report your unscheduled debt as discharged and cease collection efforts.