Once a Chapter 7 or Chapter 13 case is over, the debtor receives a Discharge. A debt that has been discharged is a debt
that the bankrupt debtor no longer has a legal obligation to pay.
North Carolina Bankruptcy Lawyer in Charlotte NC for Chapter 7 / Chapter 13
The discharge prevents creditors from taking any steps to try to collect their
unsecured discharged debt. They cannot call, write, sue, or take any steps that could be considered an attempt to collect
a discharged debt.
Some debts cannot be discharged. Typical examples are child support, alimony, and other domestic
support obligations, some taxes, student loans, criminal restitution, and debts for death or personal injury caused by operating
vehicles while intoxicated with alcohol or drugs, or fraudulently obtained debts where the creditor has taken further action
in the bankruptcy case to have the debt held non-dis chargeable.
If the debtor wants to keep property that has
a lien on it, the debtor must keep payments current, and may be required to reaffirm the debt.