Bankruptcy Discharge Explained

The bankruptcy discharge is one of the most important aspects of the bankruptcy process as a whole. If you are filing for bankruptcy, here are the basics of what you should expect from the bankruptcy discharge.

Bankruptcy Discharge

The bankruptcy discharge is a portion of the process that essentially eliminates certain debts for the debtor. Once the bankruptcy discharge occurs, the creditors are not allowed to come after the debtor again. They cannot ask him to repay any portion of his debts or try to communicate with him through phone or written communication. At this point, it is as if the debts were permanently removed from the debtor's record.

Types of Debt

The bankruptcy discharge process does not remove every type of debt that someone could incur. Some things that it can get rid of are credit card debt, store accounts, mortgage debt, auto loans and medical bills. However, it cannot get rid of things like student loans, child support, alimony, taxes, and certain homeowner association or condo dues. 


Getting a bankruptcy discharge is not something that you can do frequently. If you are using chapter 7 bankruptcy, you will not be able to use it again for eight years. If you are trying to file for chapter 7 after using chapter 13, you will have to wait six years.

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