A discharge releases the debtor from all personal liability for “dischargeable debts” as defined in the bankruptcy code. It also permanently prohibits creditors from taking any collection activity to recover balances still open after liquidation distribution. No debts are “erased” until the debtor is discharged. If the bankruptcy is a Chapter 13, some debts cannot be discharged. Longer-term secured debts (home mortgage, auto loan, etc.), alimony, child support, taxes, and government funded or guaranteed student loans are not dischargeable. A discharge may be received in six months or less in a Chapter 7 bankruptcy. A Chapter 13 bankruptcy discharge is much more complex since the process takes three to five years to complete.

About LifeTips

Now one of the top on-line publishers in the world, LifeTips offers tips to millions of monthly visitors. Our mission mission is to make your life smarter, better, faster and wiser. Expert writers earn dough for what they know. And exclusive sponsors in each niche topic help us make-it-all happen.

Ask a Question

Not finding the advice and tips you need on this Bankruptcy Tip Site? Request a Tip Now!

Guru Spotlight

William Pirraglia

Buy My Book

Ever wonder how you could make your life better and more fun? So have tens of millions of fans who have turned to LifeTips for answers over the past decade. We keep the tips, advice, books, podcasts and writing services flowing, so you can keep your life and business growing in the right direction. Upward!