What is a discharge injunction?

A discharge injunction is a legal action taken in North Carolina to protect creditors from further action by the debtor. This action is typically sought when the debtor fails to pay what they owe. The injunction prohibits the debtor from taking any future action to collect what is owed, such as harassing the creditor or making attempts to collect on the debt. The injunction prevents the debtor from taking any further steps to collect the debt, such as levying a bank account or filing a lawsuit. The debtor must also stop any communication with the creditor, including phone calls or emails. If the debtor fails to comply with the injunction, it can lead to civil or criminal penalties. In North Carolina, a creditor can seek an injunction if the debt is more than one hundred dollars. The creditor must submit a motion to the court outlining their claim and the amount owed. The debtor will then have 15 days to answer the injunction. If the debtor does not answer or fails to comply, the creditor may request judgement in favor of the creditor. Injunctions are a powerful legal tool that can protect creditors from further debt collection efforts by the debtor. In North Carolina, discharge injunctions provide creditors with the security that they will not be harassed or taken advantage of by a debtor who fails to pay the debt.

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