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The bankruptcy court discharge prohibits any attempt to collect from the debtor a debt that has been discharged. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take any other action to collect a discharged debt from the debtor.

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The beauty of trust deeds is that after the discharge of the trust deed which normally takes about 3 years, the individual is debt free and can start on a clean slit. However discharge rules need to be followed.

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