If you plan to file bankruptcy in Florida, then you will start to hear a lot about the discharge. This is a very important part of the process. In fact, it is probably the most important part. As the United States Courts explains, a discharge in a bankruptcy is when the court finalizes your case. It is at this point that you are no longer liable for the debts you claimed in the bankruptcy.
Once you reach this point in the process, you have already met with your creditors and filed all the paperwork required. The court has looked over everything and granted you your bankruptcy request. You now have zero liability for any debt that you claimed in your bankruptcy. This means that creditors can no longer come after you for the debt or expect you to pay it. The debt was discharged and no longer exists in the eyes of the law.
The discharge comes at the end of your case. If you file a Chapter 13, which is the repayment plan, then your discharge will not occur for years after you file bankruptcy. You must work through your plan first before your case finally reaches this stage. In a Chapter 7 bankruptcy, the discharge will usually come a couple of months after you file your case.
When the court discharges your bankruptcy, your creditors receive a notice so they are aware they can no longer try to collect on the debt. Any creditor that tries to collect on a debt discharged through bankruptcy is in contempt of court and could face penalties. This information is for education and is not legal advice.