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When is discharge in bankruptcy possible?


Discharging a debt after personal bankruptcy is an issue that many Illinois residents might be curious about. There are circumstances where a person may choose to repay a debt but are not legally obligated to do so. Examples of this option include debts owed to individuals who the filer might deal with on a regular basis.

Sometimes, after filing for bankruptcy, debtors must cope with creditors attempting to collect a debt. Because a discharge involves a permanent, enforceable injunction on collection actions, creditors who attempt to pursue an outstanding balance that is affected by the filing may find themselves in contempt of court. Debtors can file a motion with the court to ask that the case to be reopened, and the creditor may have to pay a fine.

Many people wonder if unexpected life changes that lead to bankruptcy could impact their ability to get a job or lead to the loss of a job. However, there are protections that prevent discrimination against debtors because of the bankruptcy filing in the work place. Both private and government employers face prohibitions against discrimination in employment. Government employers are also prohibited from terminating an employee or denying a person a license because of the bankruptcy.

Personal bankruptcy is one of the most challenging things that some people may go through. After completing the process, many might wonder whether they will be faced with other difficulties because of the filing. However, federal protections often give a filer certain rights, such as those described above. Those seeking to assert those rights might consider a consultation with a lawyer who has worked with others on bankruptcy cases.