If someone owes you money and they list the debt on their bankruptcy, then you must cease any further attempts to collect on that debt. If the person in bankruptcy is granted their discharge, then they have no further obligation to pay on that debt. You will never see any repayment of that debt.

That being said, the trustee in a bankruptcy case makes every attempt to see if any money can be raised to try to raise at least a little money to pay back creditors some small percentage on their debt. Unfortunately in most cases there is no money raised and the debts are simply discharged.

Many times this does not seem fair to creditors, but as a society we have decided this is a kinder way to handle the situation than to have something like debtor's prison. Creditors have to carefully decide how much risk they want to take when extending credit to their customers.