Evan Granowitz: Getting discharged from bankruptcy

Are discharged bankrupts free from bankruptcy debts and from the restrictions of bankruptcy? Lawyers, like Evan Granowitz, counsel and represent clients in all facets of legal action, including bankruptcy discharge.

Evan Granowitz. Image Credit: bankruptcyhelpblog.org

What is discharge from bankruptcy?

The United States Courts defines a bankruptcy discharge as an action that releases the debtors from personal liability for certain debts. It explains that the debtor is not legally required to pay debts that have been discharged already. Moreover, this permanent discharge prohibits the debtors’ creditors to take any action on the discharged debts, which includes collection, communication, or any legal action against the debtors. However, even when debtors are not liable for the discharged debts, a lien—a charge on specific properties to secure payments of debts—in a bankruptcy case will still remain even after the case. Moreover, lawyers, like Evan Granowitz, encourage debtors to understand their options since bankruptcy discharge varies depending on the type of bankruptcy case the debtors file.

Evan Granowitz. Image credit: getfreedebtadvicenow.com

How does the discharge take place?

As mentioned above, bankruptcy discharge depends on the type of case being filed: Chapter 7 (basic bankruptcy or liquidation bankruptcy), 11 (bankruptcy for individuals, married couples, corporations, or llc.), 12 (bankruptcy for farmers), or 13 (adjustment of debts of an individual with regular income). The timing of the discharge varies based on these circumstances.

Evan Granowitz. Image Credit: wolfgroupla.com

Aside from handling cases involving bankruptcy, Evan Granowitz also handles litigations related to class action and insurance coverage disputes. For more about him and his profession, visit this website.