The discharge is the overall of any consumer bankruptcy case. This is occurs at the conclusion of the case and it is a permanent injunction that eliminates the dischargeable debts. A chapter 13 debtor is entitled their discharge after they complete of their chapter 13 plan payments and so long as the debtor has:
1. certified that they have made all domestic support obligations (child support and/or alimony) that came due during the case (if applicable);
2. has not received a discharge in a prior case filed within a certain time frame see How Often Can I File Bankruptcy? ; and
3. completed an approved course in financial management course
The court will enter the discharge order an opportunity for notice and if necessary a hearing.
The discharge releases the debtor from all debts provided for by the plan and these creditors may no longer initiate or continue any legal or collection action against the debtor.