What happens once my bankruptcy is discharged?

What happens once my bankruptcy is discharged?

The bankruptcy discharge releases the debtor from liability for certain debts, so the debtor is no longer legally required to pay the balance. The discharge also prohibits creditors from collecting discharged debts in any manner, including through lawsuits, demand letters, and telephone calls.

Can you add to bankruptcy after discharge?

If your Chapter 13 is dismissed and you file another Chapter 13, any new debt incurred between the two new petitions can be included. If you file a Chapter 7 and get a discharge then file a Chapter 13 (commonly called a Chapter 20), you can add any new debts to the Chapter 13 petition.

How can I get my bankruptcy discharged?

The Federal Rules of Bankruptcy Procedure provide for the clerk of the bankruptcy court to mail a copy of the order of discharge to all creditors, the U.S. trustee, the trustee in the case, and the trustee’s attorney, if any. The debtor and the debtor’s attorney also receive copies of the discharge order.

What happens if you forget to include a creditor in your bankruptcy?

The court uses that list to notify your creditors about your bankruptcy. Of course, with so much paperwork, even the most careful bankruptcy filer may make an honest mistake and leave a creditor off the list. Creditors have important legal rights in your bankruptcy case, so what happens when you forget to include a creditor in your bankruptcy?

What happens to unsecured creditors in Chapter 7 bankruptcy?

Unsecured creditors left off of your bankruptcy filing have the right to collect from you after your bankruptcy discharge. However, they can only collect from your non-exempt assets. In other words, you still have the protection of the Chapter 7 bankruptcy exemptions.

What happens if you leave a creditor off of a chapter 13 bankruptcy?

Once your plan is approved, your payments will be divided proportionally among your creditors. If you leave a creditor off of your Chapter 13 bankruptcy, that debt won’t be included in the bankruptcy and it won’t be discharged at the end. That means the creditor can attempt to collect from you after your bankruptcy discharge.

Are there any debts that can not be discharged in bankruptcy?

Some debts are not dischargeable in bankruptcy, including child support, spousal support, recent taxes, and more. Those debts wouldn’t have been discharged anyway, so accidentally leaving them off of your bankruptcy filing won’t change anything.

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