Comments on: What Is A Bankruptcy Discharge?

By: Michelle

Michelle — Tue, 20 Dec 2011 18:30:24 +0000

The best advice I can give someone that is filing bankruptcy is do not do anything with any kind of credit until you receive your discharge papers. Those discharge papers are key that is what tells you that all the debts have been forgiven, and read them because that will tell you if all of them were forgiven or if a creditor said no. Just remember it’s better to be safe than sorry.

By: Charles

Charles — Tue, 20 Dec 2011 17:30:23 +0000

For those readers concerned about getting your credit back after you file, it isn’t hard at all, because the creditors get a report of who has filed bankruptcy and been discharged and they know that you can’t file again for another seven years so they want you to have those credit cards and stuff. So you will start seeing offers in the mail for credit cards as soon as your bankruptcy is discharged by the court

By: Margarita

Margarita — Tue, 20 Dec 2011 17:15:23 +0000

There are moral questions about filing Bankruptcy. I was reading the comments left by your readers and it seems that the biggest question about bankruptcy is whether it is right to file bankruptcy in the first place. Take it from someone who has been there, there is no right or wrong answer to that question it is all based on opinion and it is between you and God how you handle it.

By: Christopher

Christopher — Tue, 20 Dec 2011 00:30:25 +0000

I can’t believe that I stumbled across a blog that I have been trying to find information on for so long now, and there it sat just looking at me. Thank you for explaining that you can not count everything over and you are debt free until you get the discharge order from the courts, and the same letter that they give you, they send to the debtors as well. Don’t get discouraged and don’t give up.

By: William

William — Sun, 18 Dec 2011 19:45:24 +0000

I am so glad to hear that child support is not dismissible in bankruptcy, I work long and hard to finally get child support from my ex that I am glad to hear that he will have to continue to pay it no matter what. The other advice you gave in your article was very helpful as well. I hope I never have to file but just in case I will keep this article.

By: William

William — Sun, 18 Dec 2011 19:30:24 +0000

Thank you for giving us the definition of a discharged bankruptcy, unfortunately I have never done this before, or I guess that is fortunate, so I was unfamiliar with the terminology. Your advice on this subject was great. Thank you for discussing it do many others are embarrassed to talk about so it is hard to find out helpful information.

By: Christina

Christina — Sun, 18 Dec 2011 19:30:23 +0000

I today’s society you would think that this wouldn’t be such a taboo subject because there are so many people that are having to file every month it seems that you would be able to find good council on the subject. Your article is the first one I have run across that has had a question and answer section so thank you for that some of these were questions I had, so I appreciate it

By: Edward

Edward — Sat, 17 Dec 2011 22:45:25 +0000

I had to file bankruptcy a few years back and I didn’t realize any of this information. It is interesting what all has to happen in order for things to be cleared and for you to be debt free finally. If your bankruptcy isn’t discharged then the creditors can come after you for the full amount plus interest right? If at that point can you file again sense the first one wasn’t discharged?

By: John

John — Thu, 15 Dec 2011 23:00:23 +0000

My husband and I just filed bankruptcy not more than two weeks ago and I just ran across this article, I wish I would have seen it before we filed but I don’t think it would have made a difference. How do you know when your bankruptcy has been discharged? Does the lawyer tell you or do you go back to court? We are new to this so forgive the stupid questions please. Your article was great and you had some great information in it I just didn’t notice the answer to this question in there. If you wouldn’t mind replying to my comment with the answer I would greatly appreciate it.

By: Debra

Debra — Mon, 12 Dec 2011 21:59:29 +0000

How important do you think the discharge of a bankruptcy is? I have been reading that you shouldn’t go out and try to incur any debt until the discharge is released through the bankruptcy court because that would be all the cause they need to not discharge your bankruptcy at all. And that there are people out there that have filed bankruptcy just because they maxed out their credit cards and didn’t want to pay them off and those are the cases that have made it more difficult for the people that have legitimate needs to get rid of their debt to get rid of the credit cards, because the credit card company can say no. Is that true as well? I understand that it is easy to get credit cards after you are discharged by the bankruptcy court though so that is good as long as you don’t go make the same mistakes. Thank you for posting the information you have it has been very helpful in explaining exactly what happens. I would really be grateful if you would please answer my questions with a reply.