Your Bankruptcy Fresh Start

Practical guide to life after bankruptcy discharge

Employment Protection -- Section 525

Government employers cannot fire you or deny a license solely because of bankruptcy. Private employers cannot terminate you, though courts are split on hiring decisions.

Discharge Injunction -- Section 524

Permanently bars creditors from collecting discharged debts. Phone calls, letters, lawsuits, garnishments, credit reporting -- all prohibited. Violations can result in contempt and damages.

Government Benefits

Agencies cannot deny or revoke licenses, permits, or contracts solely because of bankruptcy. Federal student aid eligibility is not affected.

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Discharge Injunction Guide

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Related Resources

The Discharge Injunction -- How Section 524 permanently bars creditor collection after discharge

Chapter 7 Discharge Bar -- Eight-year bar between Chapter 7 discharges under Section 727(a)(8)

Hardship Discharge -- Section 1328(b) discharge when you cannot complete your plan

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Federal Rules Committee

This research supports Suggestion 26-BK-3 to the Advisory Committee on Bankruptcy Rules

Proposing automated Section 1328(f) discharge bar screening in federal bankruptcy courts