The main goal of most consumer bankruptcy cases is to get a fresh financial start through writing off debts. The legal bankruptcy term for write-off is “discharge.” In virtually all successful Chapter 7 “straight bankruptcy” and Chapter 13 “adjustment of debts” cases, there will be a discharge of some or all of your debt.  In […]

The basic rule is that bankruptcy discharges all your debts unless a particular debt fits a listed exception. Focusing on Chapter 7, you will likely receive an Order of Discharge from the bankruptcy court within about 4 months of filing the case. The heart of this court order states simply that “A discharge . . […]

The discharge of debts in Chapter 13 works differently than in Chapter 7. If you file a Chapter 13 “adjustment of debts” case, you also get a discharge of your debts, which occurs at the end of your case, usually 3 to 5 years after the case is filed. A Chapter 13 discharge is different […]