A bankruptcy discharge releases the debtor from personal liability for certain specified types of debts. In other words, 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 not personally liable for discharged debts, a valid lien (i.e., a charge upon specific property to secure payment of a debt) that has not been avoided (i.e., made unenforceable) in the bankruptcy case will remain after the bankruptcy case. Therefore, a secured creditor may enforce the lien to recover the property secured by the lien.
The video above are not created by The Fuller Law Firm, PC. The videos provide general information about bankruptcy. Some of the information in these videos may be inaccurate or outdated. Also, some of the information may be irrelevant to California debtors. An informational video is not a substitute for receiving expert advice from an experienced attorney. Please contact us for a free initial consultation with an experienced attorney at The Fuller Law Firm, PC. We will be glad to give you advice tailored to your specific situation