What Is  A Discharge In Bankruptcy?

According to the federal bankruptcy statute, a discharge is a release of the debtor from personal liability for particular specified sorts of debts. Put differently, the debtor is no longer required by law to pay any debts that are discharged. The discharge functions as a permanent order directed to the creditors of the debtor that they desist from taking any form of collection action on discharged debts, including legal action and contacts with the debtor, such as telephone calls, letters, and personal contacts. Although a debtor is relieved of personal liability for all debts that are discharged, a valid lien (i.e., a charge upon specific property to secure payment of a debt) that has not been avoided (i.e., made unenforceable) in the bankruptcy case will remain after the bankruptcy case. So, a secured creditor may enforce the lien to recover the property secured by the lien.

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