Serving Vallejo, Solano, Napa, Alameda and Contra Costa Counties.

Robert Hale McConnell

After Discharge

Creditors may not attempt to collect debts that were discharged in your bankruptcy.  The discharge is a permanent order prohibiting the creditors of the debtor from taking any form of personal collection action on discharged debts, including legal action and communications with the debtor, such as telephone calls, letters, and personal contacts.  Discharge does not remove liens. There are specialized additional steps within a bankruptcy that may be sought for this purpose.

It is a good idea to retain all of the documents you receive from the Bankruptcy court. When you receive the discharge order, keep it in a safe place. You may need to show the order to prove your bankruptcy has been discharged.

Discharge in Chapter 7 can be obtained once every eight (8) years. After a discharge in Chapter 7, there are additional filings on Chapter 13 that can be pursued depending upon the circumstances of your situation.