Nobody can make you pay out a personal debt which has been discharged, however , you can voluntarily shell out any credit card debt you wish to pay for. You would not have to signal a reaffirmation agreement (see below) or another kind of doc To do that.
Usually, the only real formal continuing at which a debtor must surface could be the meeting of creditors, which is often held in the places of work on the bankruptcy trustee. This Assembly is informally known as a "341 Assembly" since area 341 of the Bankruptcy Code demands that the debtor go to this meeting to make sure that creditors can concern the debtor about debts and home.
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As an alternative to obtaining numerous credit card expenditures and also other accounts to pay for, usually with extremely substantial desire charges, financial debt consolidation lessens These particular person debts into just one payment each and every month.
Chapter thirteen You have regular money and will fork out your residing expenditures, but you can't sustain the scheduled payments on your own debts.
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