How can you stop abuse by creditors?
When a Debtor files a Bankruptcy Petition, the ultimate goal is to obtain a Court Order called Discharge of Debtor. This may take only a few months under a Chapter 7 “no asset” case or up to five years in a Chapter 13 repayment case.
But except for certain non-dischargeable debts, the Discharge of Debtor “operates as an injunction against the commencement of continuation of . . . an act to collect, recover or offset any such debt as a personal liability of the debtor.”
Unfortunately, some creditors, out of ignorance or spite, ignore the discharge injunction and continue collection activities, including calling, harassing, suing, or attempting to garnish wages or bank accounts of the debtor, or even seize property of the discharged debtor.