A bankruptcy filer can elect to voluntarily make payments towards a discharged debt, but the lender cannot take steps to collect on the debt. So, it would be purely voluntary on the part of the filer. Sometimes there are strategic or even personal reasons why a bankruptcy filer might voluntarily make payments on discharged debts. For example, if there is a medical service provider that the consumer has a relationship with, they may elect to make the payments on that debt. But again, it’s instrumental that it’s truly voluntary on the part of the file.