Violation of automatic stay: Where an unsecured creditor of the Chapter 7 debtor
called her nearly twice a day after she filed her bankruptcy petition, continuing
through the morning of the hearing on the debtor’s motion for sanctions for violation
of the automatic stay, the Bankruptcy Court for the Northern District of Illinois
awarded the debtor $15,000 in punitive damages while stating that the court would
consider adding $500 per day that the harassment continued. In re Galutan, Case No.
1:12-bk-31837 (Bankr. N.D. Ill. Nov. 16, 2012).

Violation of discharge injunction: Where the Chapter 7 debtor’s mortgage lender
willfully violated the discharge injunction by continuing to call the debtor in an
attempt to persuade her to enter into a loan modification as an alternative to
foreclosure, and to thereby reinstate some or all of the discharged debt, the
Bankruptcy Court for the District of Oregon awarded the debtor $4,000 in emotional
distress damages as well as reasonable attorney’s fees. In re Culpepper, 481 B.R. 650
(Bankr. D. Or. Nov. 5, 2012).

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