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General Scope and Effect of Discharge

Learn about the concept of discharge in bankruptcy, how discharge absolves the debtor of personal liability for all dischargeable debt, the discharge injunction, and the general rule that unavoided liens survive bankruptcy.


For the debtor, discharge is the cornerstone of bankruptcy. Many people think that discharge extinguishes or erases debt, but that's not quite true. The bankruptcy discharge doesn't extinguish debt. Rather, among other things, discharge is an injunction against most acts to enforce any discharged debt as the debtor's personal liability. Though discharged debt becomes unenforceable against the debtor personally, it still exists. Accordingly, for instance, a creditor may pursue a...