Kristy Hernandez
In a Chapter 7 case the Court issues a Discharge Order, which permanently prohibits creditors from taking any action to collect most debts against you personally.
In a Chapter 7 case the Court issues a Discharge Order, which permanently prohibits creditors from taking any action to collect most debts against you personally. In a Chapter 7 bankruptcy, most DEBTS are ELIMINATED completely. This is called a "discharge."
Bad financial circumstances may lead to delinquent accounts and despite your good intentions, sometimes you may fault on your payments. If your creditors no more trust you, they may forward your accounts to a debt collection agency.
The basic concern for all people with poor credit score is: do credit clean up or credit repair services really work? Honestly, there are several credit repair service providers who are a scam. Credit repair agencies who make false promises to clean up your credit report in quick time are nothing but frauds.
Kristy Hernandez is an award-winning author and Managing Attorney at Bay Area and Sacramento. In 2004 Kristy founded the Law Office of Kristy Hernandez which now has offices in Sacramento, Tracy an...
