Chapter 7

A general discharge from all debts
Reaffirmation agreement – preserves a debt after discharge. If the consumer wants to keep an asset, then she must also keep the liability.

Chapter 13

A reorganization of debts in an attempt to repay as much as possible.
Reorganization plan – Debtor creates a plan to repay as much and many of his debts. If the plan is accepted by the court, it becomes a new contract between the consumer and each of his creditors.

Chapter 7

• Reporting a balance due or a payment due that was discharged in BK.
• Reporting a trade line as included in BK that was reaffirmed.
• Failing to report post BK payments on a reaffirmed debt.
• Reporting a $0 balance on a reaffirmed debt.

Chapter 13

• Failing to report a trade line as included or as discharged in BK
• Non filing spouse reported as having filed BK –Reporting the old unadjusted balance or payment on a crammed down debt in Chapter 13.
• Reporting the old unadjusted balance or payment on a crammed down debt in Chapter 13.