It can be refiled, however, the creditor will have no recourse because the debt has been discharged. You may have to make a motion with the Bankruptcy Court for sanctions if the creditor continues to pursue collection efforts after discharge. From my experience, it is not too common for creditors to continue pursuing collection efforts. I have further detail on my website: http://www.chapter7nj.com. If you do not reside in New Jersey, much of it may still apply to you. Good luck.