Individuals considering bankruptcy must make the decision with all the caution and care required by the gravity of their circumstances. At the conclusion of an individual's bankruptcy case, the individual's debts are "discharged." In simple terms, the debt is no more, eliminated, wiped clean, good bye, adios. After all, eliminating a person's existing debt when the debt becomes unmanageable is the purpose of bankruptcy. Nevertheless, for those who receive a bankruptcy discharge, it appears some banks have refused to recognize the court order. In fact, in what appears to be an attempt to collect on discharged debt, banks have kept debts on individuals' credit reports for up to ten years after receiving a bankruptcy discharge. Take it away, New York Times!