A discharge is a court order discharging certain debts. It eliminates a debtor’s legal obligation to
pay a debt that is discharged. Most, but not all types of debts are discharged if the debts were
listed on the date the bankruptcy case was filed. The discharge order prohibits any attempt to
collect from the debtor a debt that has been discharged. For example, a creditor is not permitted
to contact a debtor by phone or otherwise to file or continue a lawsuit to attach wages or other
property or to take any other action to collect a discharged debt from the debtor. A creditor who
violates this order can be required to pay damages and attorney fees. Note: this information is
only a general summary of the bankruptcy charge. There are exception to these general rules.
Because the law is complicated, you may want to consult an attorney to determine the exact
effect of the discharge in a particular case.