The bankruptcy discharge is a court order that prohibits a creditor from collecting on the debts you list in your bankruptcy case. In other words, when the court enters the discharge, you no longer have any personal responsibility for the debt. The creditor cannot call, send demand letters, report nonpayment
Most debtors file for bankruptcy to eliminate their debts and obtain a fresh financial start. Your bankruptcy discharge wipes out your personal liability for most types of debt. But if you are not completely honest in your bankruptcy papers or fail to follow all the rules, the court can revoke your discharge
When you file for Chapter 7 bankruptcy, you must list all of your debts on your bankruptcy schedules (even if you think they will not be wiped out by your discharge). If you have nonexempt assets and your creditors receive a distribution in your Chapter 7, any unlisted debts will typically not be discharged.
Question I field for Chapter 7 bankruptcy last year. I had a credit card debt plus some other debts. I completed the bankruptcy and got the discharge. But my credit card company just started sending me bills again. I haven't charged anything since before the bankruptcy case. In fact, I cut up the credit