How Does the Discharge Help Me, and How Did I Get it?
00:11 Again, debtors are usually able to discharge most or all of their debts. To get a discharge you must fulfill certain duties, including the completion of a financial management course after the case is filed. When you take this course depends on the chapter of your bankruptcy case.
Accessing Information and Cost.
As with pre-bankruptcy credit counseling, you can find approved providers of this course by calling the bankruptcy court in your area or by accessing a list posted on the bankruptcy courts website. The cost of the course varies some agencies will reduce or waive the cost depending on your circumstances. The discharge prohibits creditors from taking any action, including sending a letter or filing a lawsuit to collect a discharged debt. Once you get your discharge, creditors may not attempt to collect any discharged debt from you. If they do, you can file a motion with the court reporting the action and asking that your case be reopened to address the matter.
Violators may be held in civil contempt by the court and fined.
If the court finds a creditor has violated the discharge, it may find the creditor, require the creditor to pay your legal fees or take other action. The discharge does not prevent you from voluntarily paying a debt personnel or other reasons.