What Is a Discharge?

A discharge is the term used during a bankruptcy when you are no longer responsible for certain, specified debts. Whether you file a Chapter 7 or Chapter 13 bankruptcy, certain debts will be discharged, which means that you will no longer have to pay this money back to your creditors. During Chapter 7, this typically occurs after the court proceedings. In a Chapter 13 bankruptcy, this occurs after the repayment period is complete. Which debts are discharged will vary from case to case.