A person who has filed a petition for relief under the bankruptcy laws. Most who file are hard-working people who have had a major disruption in their lives and incomes.

Debtor Education

The “instructional course in personal financial management” in chapters 7 and 13 that an individual debtor must complete before a discharge is entered.


A release of a debtor from personal liability for certain dischargable debts. (A discharge releases a debtor from personal liability for certain debts known as dischargeable debts and prevents the creditors owed those debts from taking any action against the debtor or the debtor’s property to collect the debts. The discharge also prohibits creditors from […]

Dischargeable Debt

A written document prepared by the chapter 11 debtor or other plan proponent that is designed to provide “adequate information” to creditors to enable them to evaluate the chapter 11 plan.