Discharge

Debtor seeks an official discharge of debt that gives him a fresh start

Available only to honest creditors (did not lie to creditors, did not conceal assets, kept good records, cooperated with the Court, kept balance of assets - no creative bookkeeping)

Can't receive one if a prior discharge was received within 8 years in either a Chapter 7 or 11

Must complete a financial management course approved by Trustee

Creditors can object to discharge and judge will hold a hearing to listen to the objections

If trustee believes debtor has not been honest with creditors and with court, can request that judge block the discharge

Non-Dischargeable Debt
Taxes and customs due to U.S. or any state or local government

Under all chapters, presumed non-dischargeable:
 * 1) Consumer debts for luxury goods or services in excess of $650 per creditor if incurred by the debtor on or within 90 days before the order of relief
 * 2) Cash advances aggregating more than $925 charged within 70 days prior to the order of relief
 * 3) Legal liabilities for obtaining money by false pretenses or false representations
 * 4) Debts that result from willful or malicious injury to a person or his property
 * 5) Debts due for alimony or child support
 * 6) Debts not scheduled, unless creditor knew of bankruptcy
 * 7) Debts created by fraud or embezzlement while acting in a fiduciary capacity (Evil bookkeeper)
 * 8) Student loans unless debt imposes undue hardship
 * 9) List goes on and on