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What is a Discharge in Bankruptcy?

According to the United States bankruptcy laws, a discharge will release an individual from liability for his or her debt.   Once debt has been discharged through the bankruptcy process, the individual is no longer legally responsible for repaying the debt to his or her creditors.  This means that creditors can no longer contact or take legal action against the person to collect debt.  In fact, creditors must stop all collection efforts once a person has received a discharge.

The only way a person can obtain a discharge is by successfully filing for Chapter 7 bankruptcy.  Unlike Chapter 13 bankruptcy where people must repay the debt they owe, Chapter 7 allows for the complete discharge of specified debt.

Do you have question about Chapter 7 bankruptcy?  Are you wondering if your debt can be discharged through bankruptcy?  Get the answers you need by contacting our law firm and consulting with a Chicago bankruptcy attorney who can offer you guidance.

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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