By Michael L. Moskowitz

Although Weltman & Moskowitz, LLP more often represents creditors in bankruptcy proceedings, the firm also represents a debtor from time to time. We recently represented a former client being harassed for payment by his former matrimonial attorney. What resulted is a playbook of “what not to do” after a debtor-borrower has completed her bankruptcy and received a discharge of her debts.

When a borrower seeks bankruptcy protection, whether under chapters 7, 11 or 13, the first thing the client should do is call us to determine their options. We will review the petition to determine next steps in a chapter 7 case, like the case here. We typically review the electronic docket to determine if there is a basis to object to debtor’s discharge or to the dischargeability of the debt.