Chapter 7 is granted what happens?
Once the Chapter 7 BK has been finalized, your creditors must
leave you alone. They cannot contact you for payment of that debt.
The only reason a creditor may contact you is if they are not named
on the creditors list. Then, depending on how long it's been since
the Ch. 7 BK was finalized, they might be able to be added to the
list. If not, then you will be fully responsible for that debt.
Good luck, and cut up those credit cards!