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My Husband Wants to Pay Back a Creditor Discharged in His Chapter 7 Bankruptcy. – Sherry

My husband was discharge of his loans and still wants to pay the lumber yard that was discharged. He pays them every now and then. Can they come back on us if we stop paying them. It was a Chapter 7.

Sherry




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Steve Rhode

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4 Comments

  • No, they cannot come back on him if he stops paying voluntarily. The debt was forever discharged in his chapter 7 bankruptcy.

    In some jurisdictions, it may even be considered a discharge violation for the creditor to even accept the payments at all. But it is not a discharge violation case that I would ever pursue.

    Why is your husband paying this particular debt? Does he continue to do business with the lumber yard? Did they tell him they wouldn’t see any new materials until he paid the old debt? If so, then that is a violation.

    If he still makes new purchases, is there not another lumber yard he can buy from?

    Lewis Roberts

  • No, they cannot come back on him if he stops paying voluntarily. The debt was forever discharged in his chapter 7 bankruptcy.

    In some jurisdictions, it may even be considered a discharge violation for the creditor to even accept the payments at all. But it is not a discharge violation case that I would ever pursue.

    Why is your husband paying this particular debt? Does he continue to do business with the lumber yard? Did they tell him they wouldn’t see any new materials until he paid the old debt? If so, then that is a violation.

    If he still makes new purchases, is there not another lumber yard he can buy from?

    Lewis Roberts

  • If the debt was included in the bankruptcy the creditor can’t come back after you. Your husband is free to make payments if he wants to.

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