simply put...nope, although "discharge is a very magic word. why? because the discharge prohibits any attempt to collect from the debtor/s a debt that has been discharged. creditors are no longer permitted to contact one that receives their discharge by mail, phone, or otherwise...they cannot file or continue a lawsuit, they cannot attach wages or to any other property of yous. basically, creditors can no longer take any action against you, and a creditor who violates this order can be required to pay damages and atty's fees to you.

however, a creditor may have the right to enforce a valid lien, such as a mortgage or security interest etc, and one should ( not in all cases) receive such notice from court provided that lien was not avoided or eliminated in the bankruptcy case at the time.

also remember there are certain debts that are not eliminated by a discharge...such as, and in no special order and just from what i remember, i'm certain there may be more.



debts for most taxes

debts incurred to pay nondischargeable taxes

debts that are of domestic support

student loan debt

*****important**** some debts which were not property listed by the debtor debts for most fines, forfeitures, or criminal restitution obligations

debts for person injuries or death caused by the debtor's operation of a motor vehicle, vessel, or aircraft while intoxicated

debts that the bk court specifically has decided or will decide in the courts case are not discharged

debts for which the debtor has given up discharge protections by signing reaffirmation agreement in complies with the bankruptcy code requirements for eh reaffirmation of debts;

and debts owned to certain pensions, profit sharing, stock bonus, other retirement plans, or to the thrift savings plan for federal employees for certain types of loans from these plans.


a bankruptcy discharge is a court order that protects you fully and a dismissal of the case and it does NOT determine how much money, if any, the trustee will pay to creditors, if they so chose to turn your case into an asset case. while "discharge" may be a magic word, your not DONE until you receive the CLOSE order.

the "Close" IMhumbleO is just as significant and actually to me, more important, although equally weighted to some. one without the other means, in reality, your not exactly done yet.

A bankruptcy discharge is a court order that protects you and is an order granting a discharge under section 727 of title 11, united stated bk code.

usually reading something like:


DISCHARGE of DEBTOR/or could read JOINT DEBTORS ( if you filed with your spouse...)

It appearing that the debtor/debtors are entitled to a discharge,

IT IS ORDERED:

The debtor/s are granted a discharge under section 727 of title 11, United Stated Code, (the Bankruptcy Code)

BY THE COURT

_________________________________________
Signed by the United States Bankruptcy Judge
Dated: ____




now the ""Close".....

usually that order reading something similar to this.....


ORDER APPROVING TRUSTEE'S REPORT OF NO DISTRIBUTION


it appearing to the court that ________________(the name of your trustee) in the aboved entitled case has filed a final report of no distribution and that said trustee has performed all other required duties in the administration of this estate...

accordingly it is:


ORDERED:



1. the report of the trustee is herby approved and that the estate closed.

2. the trustee is discharged and relieved of her/his trust

3. all deficient pleadings that have not been cured are considered moot.



DONE AND ORDERED on Date_______________



________________________________________________

Signed by the United States Bankruptcy Judge