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The discharge is the legal term for the debts officially being eliminated and the closing of the case. The discharge is a permanent order to the creditors requiring that they refrain from taking any form of collection action on the discharged debts.
Generally no. The exception is where you have committed a prohibited act and the creditor can prove it. Some examples of prohibited acts are as follows: 1) transferring assets to hide them from creditors; 2) lying or providing false information on your petition; 3) destroying or concealing records; 4) violation of a court order; and 5) perjury or other fraudulent acts.
No problem. Document the information and send me an e-mail or letter. I will contact the creditor and warn them. I have never failed at getting a creditor to stop calling. Also, send me copies of any thing you receive in the mail.
It will appear on your credit report for up to 10 years.
Contact me immediately so we may discuss the situation. Before the creditor's meeting the court charges $20 to add creditors. I charge an additional $75. Therefore, your fee for adding a creditor is $95. After the meeting of the creditors, it becomes much more expensive to add creditors, but not impossible.
Yes. You can begin to re-build your credit right away. First, the most important thing is to get your budget under control. No matter what, you must now live within your means. Once you budget is under control, you can begin to acquire some credit by paying your rent or mortgage on time. If you have a car payment, always make the payment on time also. Eventually you can apply and receive a small loan. Make sure you re-pay it on time. You may never be on an equal footing with someone who has never paid a bill late in their life. But, trust me, you can start over and re-build. It is never too late.
YES, I sure will. Send me an e-mail with your question. If it is a common one, I will also add it to the list above. The only thing I cannot answer are requests for general discussion of a topic.
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