When a person files for bankruptcy, any of his or her debts are forgiven or included in a payment plan approved by the court. We briefly discussed last week how it is possible for people to go ahead and pay for discharged debts if they want to do so. That, however, isn't a requirement for Florida bankruptcy cases. While it isn't very common, it is possible that some people who file bankruptcy will end up being harassed by creditors who are trying to collect on a debt that was discharged.
One point that you can establish if you are in that situation is that you have filed for bankruptcy. If you have an attorney handling your bankruptcy, the debt collector must contact that attorney. The debt collector shouldn't contact you.