The bankruptcy discharge is a court order that eliminates your debts in a chapter 7 or chapter 13. The discharge order also serves as an injunction to prohibit creditors from collecting on debts that have been discharged.

In Maryland, debt collectors can sue you and have several methods to collect on debts, including garnishments, attachments, seizures and levies.

The question about how a bankruptcy affects a divorce and vice versa touches upon many considerations in both divorce and bankruptcy planning, and both spouses can benefit from taking time to plan for these contingencies

In 2005, Congress enacted the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). One of the major changes that BAPCPA made was that consumers who file for bankruptcy must take two courses – a credit counseling course and a debtor education course.