Chapter 7 Bankruptcy Attorney What is a Chapter 7 Discharge Generally, obtaining a “discharge” (of debt) is the major reason why people file Chapter 7. A “Discharge Order” is an Order of the Bankruptcy Court that, when entered, releases a debtor from the personal obligation to repay the debtor’s discharged debts. The “Discharge Order” also orders creditors to discontinue attempts to collect on a debt that has been discharged.
Who is Eligible For a Chapter 7 Discharge Generally, everyone experiencing financial hardship is eligible for Chapter 7 relief unless: (a) you have already filed a Chapter 7 bankruptcy and received a discharge in the last eight years, (b) you have already filed a Chapter 13 bankruptcy and received a discharge in the last six years (unless you paid 70% of your unsecured claims in that case), or (c) you have primarily consumer debt and you make too much money to qualify for Chapter 7 relief and/or abuse of the bankruptcy system would result if you were released from your debt (i.e., it would not be “fair” for you to be granted a discharge).
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