What Does Discharge Mean for a Bankruptcy Case?

A discharge in a bankruptcy case releases the debtor from the personal liability of specific debts listed in the bankruptcy. This means that the debtor is no longer required to repay any of the debts that were discharged by filing for bankruptcy in Clearwater. When a judge orders a debt discharged in a Clearwater bankruptcy, your creditors are then prohibited from any attempt to try and collect on that debt. If they violate this by attempting to collect on a debt by sending you a letter, calling you, or if they have any other personal contact with you then you may have a legal case against them and should seek the help of an attorney who is versed in The Fair Debt Collection Act.

It is important to note that not all debts are dischargeable in a bankruptcy proceeding. A valid lien such as a mortgage on a property can still be collected upon after the bankruptcy has been completed. In a Chapter 13 bankruptcy there may be an opportunity to strip a second mortgage and cram down your first mortgage from your property.

Bankruptcy is very complex and should only be filed with the help of a qualified and experienced Clearwater bankruptcy lawyer. Our Clearwater office offers a free initial consultation to review your financial situation and offer our feedback on whether filing for bankruptcy is appropriate for you to pursue.