回答您的問題

首先請您看一下這個資料了解一下 Discharge in Backruptcy 的意思

• What is a discharge in bankruptcy?

A bankruptcy discharge releases the debtor from personal liability for certain specified types of debts. In other words, the debtor is no longer legally required to pay any debts that are discharged. The discharge is a permanent order prohibiting the creditors of the debtor from taking any form of collection action on discharged debts, including legal action and communications with the debtor, such as telephone calls, letters, and personal contacts.

Although a debtor is not personally liable for discharged debts, a valid lien (i.e., a charge upon specific property to secure payment of a debt) that has not been avoided (i.e., made unenforceable) in the bankruptcy case will remain after the bankruptcy case. Therefore, a secured creditor may enforce the lien to recover the property secured by the lien.

資料來源:

http://www.uscourts.gov/FederalCourts/Bankruptcy/BankruptcyBasics/DischargeInBankruptcy.aspx

所以原則上您是對的,對方的過去的債務問題隨著這個 ruling 已經解決. 這是一個相當好的資料說明有關 after discharge 之後是否可以取得貸款買房的問題

http://wiki.answers.com/Q/How_soon_after_Chapter_7_bankruptcy_can_you_buy_a_new_house

這應該可以給予您一個明確的概念應該如何處理.

同時另外一位朋友提供了相當好的意見,您應該採用.