When you file for Chapter 7 bankruptcy, your goal is to have your debts discharged. When a debt is discharged, that means that it can no longer be enforced against you personally.
When you incur a debt, you are personally liable for paying it back. If you don’t pay back your debt, your creditor can use a legal process, such as wage garnishment, in order to get paid.
If a debt is discharged in bankruptcy, however, your personal liability for that debt is wiped away. In the most simple terms, you are no longer legally obligated to pay that debt. It also means that your creditors can no longer take legal actions, such as wage garnishment, to extract payment from you.
A Texas bankruptcy attorney can evaluate your case and determine whether Chapter 7 bankruptcy is the right decision for you. Your bankruptcy lawyer can help you take the necessary steps to have your debts discharged and stop the harassing calls from creditors.