Can a creditor hold you responsible and take punitive action 3 years after a bankruptcy is discharged?

Hold you responsible for what?  What punitive action are they taking?  Was this a debt incurred prior to filing the bankruptcy case?  If so, then they cannot take any action to collect on it unless they timely filed, and prevailed at trial, on a complaint to determine their debt to be dischargeable during your bankruptcy case.   If not, then they are violating 11 U.S.C. 524 and can be held in contempt of court for taking any such actions. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.