People who live in Arizona may be wondering what laws exist to protect a debtor who has filed a bankruptcy case that has already closed. Some individuals may wish to repay a discharged debt, regardless of not being legally required to do so after a bankruptcy case has concluded. Sometimes they might repay a debt if it was owed to a family member or another person with whom they must maintain good relations.
Laws exist to protect individuals who have filed for bankruptcy from receiving discriminatory treatment from employers. This pertains to both governmental and private employment if the discrimination was based on a person's bankruptcy case. Places of employment may not revoke a franchise license, refuse to hire a debtor or fire them based on their past or current bankruptcy case.
If the bankruptcy court has deemed the debt discharged, collection agencies are prohibited from attempting to collect it from that point on. Doing so could invoke a fine, and the violation could be deemed as civil contempt. Any form of violation by a creditor can be reported to the court for further action to be taken in order to protect the individual who filed bankruptcy.
There are many aspects of the law that pertains specifically to bankruptcy, including protecting an individual who has filed for bankruptcy and how bankruptcy affects their financial status. Bankruptcy options may vary based on the specific financial needs the person has. There are many different types of bankruptcy, and trying to identify which one is best for a person may be a daunting task without outside help. A person who is considering filing for bankruptcy might hire a lawyer. A lawyer might be able to assist in the filing process and could represent a client throughout proceedings.