A debtor who files a bankruptcy petition needs immediate
protection from the collection efforts of his or her creditors.
Except for limited situations involving repeat bankruptcy filings,
the filing of a bankruptcy petition automatically stays or stops
creditors from taking further action to collect their claims or to
seize property. The primary benefits of bankruptcy to a debtor are
the temporary relief from creditor action provided by the automatic
stay and the permanent relief from creditor action provided by the
For most individuals who file Chapter 7 and Chapter 13 (after
completion of Chapter 13 plan), a discharge is granted that will
release them from any further liability on their debts. Certain
debts may not be discharged. Debts that are not discharged include
but are not limited to child support, alimony, fraudulent debts,
criminal fines and restitutions. There are a number of other debts
that may not be discharged. You will need the advice of a bankruptcy
attorney to review all issues involving discharge of debts.