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After your Chapter 13 Bankruptcy discharge all debts that have been included in your payment plan will be discharged after the final hearing in court whereby the judge will approve and discharge your plan.
However, understand that the debts that are not dischargeable such as alimony, student loans, back taxes will not be included so be aware that those debts will still be owed.
After receipt of the money, the discharged creditors will not have any right to the money (i.e. cash gift received). But you must wait until the discharge is approved by the judge.
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No, I would not accept the cash gift before the discharge as stated in my previous answer as it will cause concern for the BK judge and will not approve your BK discharge.
After the dishcarge you are free to do whatever you want i.e. accept the cash gift without the trustee breathing down your neck.
I am unaware of any specific law that allows a trustee to come after any assets after a bankruptcy is discharged relative to the dischargeable debts that were included in your BK plan.
Now, if you want to accept a cash gift six months before your bankruptcy is discharged taking that unecessary risk while the trustee still has jurisdiction over your estate go ahead. But again, If I coudl go 4 1/2 years through the plan without the 200k, I would be able to last another six months for assurance.
Additionally, if you are so concerned with the trustee after discharge, place the money in a qualified retirement account that is exempt from creditors and your assets will be protected.
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