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Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
A Debtor can file a chapter 13 after the chapter 7, however, the debtor cannot get a discharge in a case filed within 4 years of a chapter 7.
SO, they can file it, to pay down mortgage arrears, consolidate other debts that weren't discharged in the 7 etc.
If your debt was discharged in the chapter 7, that's it you are done. You cannot collect, no matter what happens in the chapter 13 case.
The chapter 7 discharge is still valid.
Thank you so much. You are very clear with your answer. I appreciate it!
great. sorry its not better news
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