The Law Office of John Bristol provides additional bankruptcy information through companion websites. Please link to NeedBankruptcy.org. The additional information can help you make an informed decision concerning the filing of a case. The Law Office of John Bristol concentrates on chapter 7 liquidation and chapter 13 reorganizations for consumers in Broward County, Florida. Broward County is part of the Federal District of the Southern District of Florida.
A discharge releases you from personal liability for certain specified types of debts. In other words, the you are is no longer legally required to pay any debts that are discharged. The discharge is a permanent order signed by a Federal Bankruptcy Judge which prohibits creditors from taking any form of collection action on discharged debts, including legal action and communications with the debtor, such as telephone calls, letters, and personal contacts.
Not all debts are discharged. The debts discharged vary under each chapter of the Bankruptcy Code. Section 523(a) of the Code specifically excepts various categories of debts from the discharge granted to individual debtors. Therefore, the debtor must still repay those debts after bankruptcy. Congress has determined that these types of debts are not discharged for public policy reasons (based either on the nature of the debt or the fact that the debts were incurred due to improper behavior of the debtor, such as the debtor's drunken driving).
There are 19 categories of debt excepted from discharge under chapters 7, 11, and 12. A more limited list of exceptions applies to cases under chapter 13.
Over the years many additional questions have been asked concerning a bankruptcy case including
Will all of my debt be eliminated?
How long will my credit be affected?
What are the different types of bankruptcy?
Can I still buy a house?
Do I have to give up my car?
and many, many more....
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1776 N. Pine Island Road, #224, Plantation, Florida