The answer depends on whether the cause of action in the pending lawsuit arose before or after your chapter 7 filing date, and whether you had to pay or surrender anything to the chapter 7 trustee when you filed your case. If the debt or obligation was created prior to your chapter 7 filing, and if you had no assets to pay over to the trustee, then the debt should be discharged and the lawsuit cannot proceed unless it is the type of debt that would not be discharged in bankruptcy anyway (for example, domestic support, taxes, or student loans.) If your unsecured creditors got any kind of distribution in your bankruptcy case, then the debt is not discharged because it is too late for this creditor to file a claim in your case. If the debt was incurred after you filed for chapter 7, or if it is not discharged because of one of the preceding reasons described, then you cannot use your prior chapter 7 filing as a defense. You might, however, file a chapter 13 bankruptcy if it seems likely that you will lose the lawsuit, because a chapter 13 will give you up to 5 years to pay the debt. You really should consult a lawyer anytime you are sued for any reason.
Answered on Jul 27th, 2015 at 5:56 PM