A debtor may receive a "discharge" or a release from liability for certain types of debts by meeting the obligations outlined in bankruptcy law and if they are considered an "honest, but unfortunate, debtor." Debt discharge prohibits creditors from continuing any actions to collect the debt which can include phone calls, personal contact or letters.
Discharges are mainly used to penalize debtors who are dishonest and are purposely trying to stop creditors from collecting debt. If the debtor's discharge is denied for a bankruptcy claim, the debt may not be discharged during any subsequent bankruptcy procedures. If the debt discharge is denied the trustees is allowed to continue administering the bankruptcy case and this can include liquidating assets which are non-exempt, to repay creditors. All information provided for the bankruptcy filing must be honest, accurate and complete. Talk to a bankruptcy lawyer for more information about accurately filing a Bankruptcy Petition.