Case Conclusion Date: 03.20.2013
Practice Area: Chapter 7 bankruptcy
Outcome: Bankruptcy case remained closed; discharge not entered
Description: Debtor filed a chapter 7 bankruptcy case in 2011. Her case was closed without entry of a discharge because she failed to file a personal financial management course certificate. In 2012, we obtained a judgment against the Debtor and started garnishment of her wages. To stop the garnishment, in 2013 the Debtor attempted to reopen her bankruptcy case, file a personal financial management course certificate and obtain a discharge. I followed the Debtor into the bankruptcy court and argued to the bankruptcy judge that it was too late to reopen the case. The judge agreed, refusing to reopen her bankruptcy case, so no discharge was entered. We were able to continue collection of the judgment against the Debtor.