A bankruptcy discharge releases the debtor from personal liability for most debts. The debtor is no longer required to pay the debts that are discharged and the creditors are no longer allowed to pursue the debtor to collect the debts. However, if there is a lien on property the debtor wants to keep, such as a home or a car, the debtor will have to pay the debt secured by the lien to keep the property.


Bankruptcy is the process of obtaining the order of discharge. There multiple types of bankruptcy. Most individuals and couples choose Chapter 7 or Chapter 13.


Meet with an attorney to discuss your financial situation and see if bankruptcy is the best option for you. During the consultation, the attorney should also discuss the property you can keep if you do file a bankruptcy petition.

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