What is a discharge injunction?
A discharge injunction is a legal order issued by a court in California that stops creditors from trying to collect on an outstanding debt. This order applies to any creditors that attempted to collect on the debt before the injunction was issued. Discharge injunctions are usually issued when a debtor is successful in bankruptcy proceedings or when a debtor is able to prove that the debt has already been paid. In California, a discharge injunction is issued by the court in accordance with state and federal law. Under federal law, a debtor must file a bankruptcy petition with the court and list all of their creditors in order to be eligible for a discharge injunction. Once the bankruptcy petition has been filed, the court will consider the debtor’s financial situation and make a decision as to whether or not they should be granted a discharge injunction. If a discharge injunction is granted, the injunction protects a debtor from any further attempts by creditors to collect on the debt. This means that creditors are legally prohibited from sending out collection letters, calling, or trying to garnish a debtor’s wage. Furthermore, creditors cannot sue a debtor for the amount of the debt, as the debt is considered to be discharged. This protection is provided for a specific period of time, depending on the court’s order. In California, discharge injunctions are a powerful tool for debtors who are struggling to manage their debt and protect their finances. By filing for bankruptcy and receiving a discharge injunction, debtors can gain the legal protection they need from aggressive creditors.
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