When a Chapter 7 debtor’s debt to a particular creditor has been discharged but the creditor continues to pursue collection efforts, what remedy does the discharged debtor have?
The 9th U.S. Circuit Court of Appeals squarely addresses the question in Walls et al. v. Wells Fargo Bank, N.A., 276 F.3d 502 (9th Cir., 2002). The court stated the issues before it as follows:
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