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What does the Term "Discharge" Mean?

If you are considering Chapter 7 bankruptcy then you must become familiar with the term "discharge."

Under this type of bankruptcy, as defined by the federal bankruptcy statute, a discharge releases the debtor from personal liability for certain types of debts. That means that, by law, the debtor is not responsible for paying off any of the debts that have been discharged. It serves as a permanent order to creditors, forcing them to refrain from taking any further action to collect debts.

This does not apply to a valid lien - a charge that is placed upon specific property to secure payment of the debt - that was not made unenforceable in the bankruptcy case. Any secured creditors that have liens against you are allowed to recover the property that is secured by the lien.

If you have any questions about discharges or other related terms, contact us to set up a time to speak with a Chicago bankruptcy lawyer.

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The information on this website is for general information purposes only. Nothing on should be taken as legal advice for any individual case or situation.

Main Office: 123 W. Madison Street, Suite 205 Chicago, IL 60602
Phone Number: (312) 427-3100