I have a MacBook Pro, 2.33 GHz Cure 2 Duo, running OS 10.6.2. I have in my hands a factory-sealed copy of the Mac version of Fallout 2. I'd like to play it.
A judgment creditor has options for collecting the debt that other creditors don't have. These include wage garnishment orders and even seizing your property. However, once you file for either Chapter 7 or Chapter 13 bankruptcy, creditors named in the petition must stop all collection efforts. Once a judge signs the discharge order, the process is complete and you no longer have any legal responsibility to any discharged debt, including a covered civil judgment.
Creditors Can Still Object to Your Discharge. Even if the trustee is satisfied with your bankruptcy papers and concludes the 341 hearing, creditors have 60 days after your initial meeting of creditors to file an objection to your discharge. Objections to discharge are the exception rather than the norm.