TEN STEPS OF OBTAINING BANKRUPTCY PROTECTION
Step 9
Order of Discharge
Contrary to popular belief, once your presumptive discharge date has passed without any of your creditors filing an objection to the discharge of your debt to them, your debt is not "forgiven." Instead, the Court orders that you are discharged of your personal liability for the debt and your creditors are permanently enjoined from trying to collect that debt from you. What once was a temporary "umbrella" has been converted into a permanent "iron shield."
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