The Bankruptcy Discharge is what debtors seek when they file for Bankruptcy
The Bankruptcy Discharge releases the debtor from personal liability for debts. The debtor is no longer legally required to pay any debts that are discharged. The discharge is a permanent order prohibiting the creditors of the debtor 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. Although a debtor is no longer personally liable for discharged debts, a valid lien on secured debts that has not been avoided in the bankruptcy case will flow through Bankruptcy. Therefore, a secured creditor may enforce the lien to recover the property secured by the lien if the debtor fails to continue making payments.