11 U.S.C. § 1328(b) allows Debtors to receive a Hardship Discharge to stop your repayment plan early and still received a Chapter 13 Bankruptcy Discharge. There are three requirements that must be bet to receive a Hardship Discharge.
Read MoreBottom line, if you receive a call from a creditor that you forgot to list on your bankruptcy schedules and the debt was incurred prior to the date your case was filed, you will not be obligated to pay that debt if your case was a no asset Chapter 7. Inform the creditor of your filing, and you will be fine to carry on your new life with the peace of mind that filing for bankruptcy can give you.
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