What if a debtor wishes to repay one or more of his discharged debts after filing under Chapter 7?
A debtor may repay as many of his discharged debts as he wishes after filing under Chapter 7. By repaying one creditor, a debtor does not become legally obligated to repay any other creditor. The only discharged debts that a debtor is legally obligated to repay after filing under Chapter 7 are those for which the debtor and the creditor have entered into a reaffirmation agreement that meets with certain requirements of the bankruptcy laws. Unless a debt is covered by a valid reaffirmation agreement, a debtor is not legally obligated to repay (or continue repaying) any discharged debt, even if the debtor has made one or more payments on the debt since filing under Chapter 7, has agreed in writing to repay the debt, or has waived the discharge of the debt.
Related Questions
- I received a discharge in a Chapter 7 Bankruptcy, but some debts that could not be discharged remain. Can filing a Chapter 13 help me with these debts?
- Can I repay debts owed to relatives before filing Chapter 7 Bankruptcy so that I do not have to list them on my bankruptcy petition?
- Are all debts incurred prior to filing bankruptcy discharged in Chapter 7?
