A “discharge” from bankruptcy is the Court order stating that the debtor has met all of the requirements of the debtor’s bankruptcy and all the debts subject to the bankruptcy are considered eliminated.  Any debt that is discharged no longer needs to be paid and the creditor may never take any action against an individual for collection of a discharged debt.

In all bankruptcies there is some debt that is not dischargeable and the individual will continue to have to pay it even after a discharge.  These debts are debts for payment of child support, alimony, criminal restitution and fines, student loans (depending on the type) and most taxes (sometimes can be discharged, but is rare).  In addition, if a creditor believes that the individual has committed fraud by transferring property prior to filing bankruptcy or hidden assets, the creditor may ask the bankruptcy court to make the creditor’s debt non-dischargeable which means that the individual would have to pay that debt no matter what the outcome of the bankruptcy.