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Dean Wallace

Discharge In Bankruptcy

A permanent order that releases the debtor from personal liability for certain specified types of debts, thereby releasing the debtor from any legal obligation to pay any discharged debts. The discharge in bankruptcy order also prohibits creditors from taking any form of collection action on the discharged debts. However, valid liens on specific property to secure payment of debts that have not been discharged, will remain in effect after the discharge, and a secured creditor has the right to enforce the liens to recover such property.

What is Discharge In Bankruptcy

All debts are not discharged in a discharge in bankruptcy. In fact, there are 19 types of debt that are exempted from discharge for bankruptcy filings under chapters 7, 11 and 12, with a more limited list of exceptions applicable for Chapter 13 filings.

The timing of the discharge also varies, depending on the chapter under which the bankruptcy filing is made. In individual cases under chapters 11, 12 or 13, the court typically grants the discharge as soon as practicable after the debtor completes all payments under the plan.

Bankruptcy is a federal court process. Bankruptcy lets individuals and businesses either get rid of debts or repay debts according to a payment plan.

The person or business that has filed a bankruptcy case is called the debtor. A creditor is any person or business owed a debt on the date the bankruptcy case was filed.

A bankruptcy discharge is a court order that eliminates certain debts. The discharge bans creditors from taking collection action on discharged debts. Thus, creditors may not take legal action or even communicate with the debtor about the discharged debts.

Chapter 7

Chapter 7 is one type of bankruptcy. It normally governs liquidation of a debtor. Liquidation is a form of relief afforded by the bankruptcy laws that involves taking control of the property of the debtor, selling it and distributing the money to creditors. If the debtor is an individual, the process ends in the discharge of the debtor.


A discharge lets an honest debtor begin a new financial life. In the typical chapter 7 case, the court grants a discharge early during the course of the case. Generally, even before any money is paid to creditors. The discharge gets rid of all of the debtor’s debts unless they are exceptions.

A debtor who gets a bankruptcy discharge is no longer responsible for the payment of debts included in the discharge. Chapter 7 bankruptcy requires the debtor to liquidate assets and pay creditors according to certain priorities, with most unsecured debts subject to discharge.

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Broken Bones Injury Attorney


Broken bone injuries can be caused by a variety of different traumatic accidents including car accidents, slip, trip and falls, construction site accidents and many others.

The two most common types of bone breaks are simple and compound fractures.  A simple fracture occurs when the bone breaks but does not puncture the skin.  A compound fracture (usually more serious) happens when the bone breaks and pierces the skin.

Knee injuries and torn ligaments are often different from broken bones, but may lead to the same types of debilitating consequences.

When broken bones or knee injuries are caused by the negligence of others, you may be compensated for severe pain and suffering, loss of wages and major medical bills.


Do not accept any claim before you speak with an attorney.  Many large insurance companies have adopted settlement policies that encourage their adjusters to offer quick payments to persons involved in an accident.  Insurance adjusters will contact you or your family shortly after an accident to try to gain your confidence.  In doing so, insurance adjusters often try to present themselves as the friend of the injured person or the family of the person who was killed in an accident.  The goal of such contact is to settle the case on terms as favorable as possible for the insurance company.


We are Minnesota’s largest personal injury law firm.  We maintain a national reputation for achieving substantial settlements and jury verdicts for our broken bone injury clients.

Our success is attributed to the combination of experience, expertise, and exceptional dedication to the needs of every client.  Many accidents are caused by negligence, so it is imperative that anyone involved in an accident contact an experienced injury attorney.  Please remember that it is vital to act swiftly after you’ve been injured.  The sooner you involve a personal injury attorney, the better we will be able to preserve evidence, gather essential witnesses and address any other important factors.


  • Medical reimbursement
  • Payment for past and future income loss
  • Full compensation for pain and suffering
  • Peace of mind in knowing your financial interests are being protected


  • Same day, evening and weekend appointments
  • Home and hospital visits
  • Never a fee until we receive a settlement for you
  • We will go to trial if a fair settlement is not obtained

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