No. The creditor is limited to going through bankruptcy court to collect on the debt from you. If the creditor has a lien on some property (such as a car loan or a mortgage), the creditor can enforce that lien in local court but you're not personally liable. If the creditor does attempt to sue you personally in local court, you can defend the claim in the local court or file an action to defeat the claim in the bankruptcy court. Some local judges aren't expert in bankruptcy law, so I usually recommend that my clients defend in bankruptcy court.
Answered on Nov 13th, 2014 at 12:48 PM