A debt can only be discharged if it arose before the date the bankruptcy was filed. The judge can also choose to exclude a debt if it is found that the debtor obtained money or property fraudulently. A discharge of debt through Chapter 7 bankruptcy will only be granted every eight years from the date the petition was filed with the court. While you can voluntarily pay a discharged debt, you are not required to do so.

A reaffirmation agreement is also not necessary in this case. I don’t know if you want to put this in, but the statute of limitation to file and obtain another discharge is: From a Chapter 13 to another 13: 2 years from the date of filing the petition From a 13 to a 7: 6 years From a 7 to 13: 4 years While you are not required to pay for property, such as an auto, if it has been discharged, the lender has the right to take back the asset.

It is critical to the bankruptcy process that all debts for discharge are listed on the petition to the Courts. If a debt is not listed, it may not be discharged. The judge can also deny discharge if it is found that records have been falsified or property has been hidden.