What is a discharge and how does one get one?

The "discharge" is what most people who file for bankruptcy are seeking to obtain.  It eliminates a debtor's personal obligation to repay a debt or debts. Unless there are some problems with your bankruptcy, the discharge is normally entered automatically at some point after you have filed your financial management course certificate with the court.  In chapter 7, the discharge is usually entered a few months after your creditor's meeting.  In chapter 13, the dischare is usually entered after you have made all of your payments under the plan.  A chapter 11 discharge is usually entered in accordance with directions in the confirmation order.