After a bankruptcy discharge, creditors are prohibited from contacting you to collect discharged debts through mail, phone, or any other means. They also cannot file lawsuits, garnish wages, or attempt to collect the debt personally. This protection allows you to move forward without the constant pressure of debt collection.  It is important to note that all of these benefits actually apply while you are in bankruptcy as well.  Having these protections are especially helpful in Chapter 13 cases due to how long they last.