Answered on Mar 22nd, 2011 at 10:50 AM
I'm not sure if you're using the correct terminology in your question, but if I understand you correctly, you are talking about a Chapter 7 "discharge" not a "dismissal." If you file Chapter 7 and get a discharge, you can surrender your home and owe nothing more on the mortgage and any garnishments you have must cease upon filing of the petition with the court. If you truly mean that you case will be a "dismissal" without discharge, then in that case the creditors will be able to again pursue you as if the bankruptcy never happened. I hope that helps.