The following program was produced by the United States Courts. Debtors are usually able to discharge most
or all of their debt. To get a discharge, you must fulfill certain duties, including
the completion of a financial management course after the case was filed. When you take this course depends on the chapter
of your bankruptcy case. 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
court’s web site. 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. If the court finds a creditor has violated
a discharge, it may fine the creditor, require the creditor
to pay the legal fees, or take other actions. The discharge does not prevent you from voluntarily
paying a debt for personal are other reasons.