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Understanding legal rights as it pertains to discharged debts

Individuals in New Hampshire who are considering filing for bankruptcy may be wondering what happens after the case is completed. Whenever debt is discharged in bankruptcy court, the debtor is no longer legally responsible to repay the debt. However, in some instances, the debtor may wish to voluntarily repay the debt anyways, even though it can no longer be enforced by law.

In situations where a creditor continues to collect debts that have already been discharged, they could be subjected to a financial penalty. An individual that is being harassed by a creditor after the associated debt has already been discharged may report the illegal action to the court and petition for the case to be reopened in order to address the harassment. Discharged debt establishes a permanent statutory injunction that makes it illegal for creditors to take any further action to collect.

The law protects debtors from creditor harassment and any form of discrimination in relation to bankruptcy in the workplace. If an employer refuses to hire a person who has filed for bankruptcy or wrongfully terminates them, it is considered unlawful.

There may be different legal actions that can be taken to address problems of this nature. Creditor harassment can be intimidating and an employer refusing to hire an individual based on their financial past might cause future financial dilemmas. In some situations, the individual may not have had any other options to prevent a foreclosure on their home or other financial challenges arose. If a person believes they are the victim of discrimination or are being regularly harassed, a bankruptcy lawyer might be able to assist them in petitioning the court to address the matter. There may also be other legal rights that a lawyer might invoke to protect a client's interests.

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