Can a Chapter 7 debtor make payments on a discharged debt without a reaffirmation agreement?

Posted on May 30, 2013. Filed under: Chapter 7 Bankruptcy, Consumer Bankruptcy Attorney |

Yes. Even though a debt has been discharged, the debtor can still make a voluntary payment of the debt. This often happens, for example, with debts that are owed to family members or friends. But the key to this kind of payment is that it must be entirely voluntary; the debtor has no legal obligation to pay a discharged debt, and the creditors can take back the collateral under lien, if any.

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