When your debts are discharged in bankruptcy, you shouldn’t ever have to worry about them again. Still, some unscrupulous creditors, collectors and debt buyers will continue to pressure you. They know the law says that you don’t have to pay them, but they’re hoping you don’t know that, or that you’ll be worn down by their harassment and agree to pay them anyway.
Fortunately, bankruptcy law provides a powerful tool for stopping those shady collectors: the bankruptcy discharge injunction. When you file Chapter 7, your debts are discharged and you’re no longer legally obligated to pay them. When you complete a chapter 13 consolidation, any unpaid portion of your debt is also discharged and you are receive full relief of any unpaid portion of your credit card debt, medical bills and other unsecured debt. The law protects you even after your bankruptcy case is closed.
When the bankruptcy court enters the discharge order, it also enjoins those creditors from pursuing payment. In simple English, the court orders those creditors and collectors to stop bothering you about those debts.
If they send you collection letters, call to ask for payment or take other collection action, they are violating a court order. And, there are consequences.
Many bankruptcy law firms consider their work done when the discharge is entered. We know that obtaining a discharge won’t improve your life unless it’s enforced. We’ll act quickly and aggressively to stop creditor and debt collector violations of the discharge injunction, protecting your fresh start. If the violations are serious enough or repeated, you may even be entitled to financial recovery.
Bankruptcy law exists to protect people in difficult financial circumstances and clear the way to rebuild credit and financial security. We’re here to help you make the most of that opportunity from beginning to end.
Upright Law has been very patient and answered all the questions I asked. Having never needed a lawyer or filed bankruptcy I was rather anxious about stepping into this procedure.
Everyone that I have dealt with was very kind even when I thought I was probably bothering them with every little thing that I thought of.
This is all very stressful for me, especially because I was very ill and worrying every month about medical tests. I have never felt so less in control than I do now so I am very grateful for all the help that has been given me.Jane M. Maine