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The Chapter 7 Discharge. A discharge releases individual debtors from personal liability for most debts and prevents the creditors owed those debts from taking any collection actions against the debtor.

You can only receive a chapter 7 discharge once every eight years. Other rules may apply if you previously received a discharge in a chapter 13 case. No one can make you pay a debt that has been discharged, but you can voluntarily pay any debt you wish to pay.

A Chapter 7 bankruptcy wipes out your financial debt, including your mortgage, but you could lose your house. A Chapter 13 bankruptcy is more of a reorganization, and you can even catch up on payments as long as these are included in your plan.

Can a debtor receive a second discharge in a later chapter 7 case? The court will deny a discharge in a later chapter 7 case if the debtor received a discharge under chapter 7 or chapter 11 in a case filed within eight years before the second petition is filed.

Contractors may be criminally charged with fraud, theft, or negligence if they fail to complete their work as prescribed in the contract agreement. In some cases, contractors can use legal defenses like lack of intent or inability to finish the job due to duress or necessity to avoid criminal prosecution.

The fee for a General Contractors License is $250.00. The fee for a Specialty Contractors License is $100.00. Please mail the completed application, your certificate of insurance and check payable to the Contractors Licensing Board to PO Box 1268, Bowling Green, KY 42102.