Form B18 (Official Form 18)
Form 18. DISCHARGE OF DEBTOR
IN A CHAPTER 7 CASE
[Caption as in Form 16A]
DISCHARGE OF DEBTOR
It appearing that the debtor is entitled to a discharge, IT IS ORDERED: The debtor is granted a
discharge under section 727 of title 11, United States Code, (the Bankruptcy Code).
BY THE COURT
United States Bankruptcy Judge
SEE THE BACK OF THIS ORDER FOR IMPORTANT INFORMATION.
Form B18 continued
EXPLANATION OF BANKRUPTCY DISCHARGE
IN A CHAPTER 7 CASE
This court order grants a discharge to the person named as the debtor. It is not a dismissal of the case and
it does not determine how much money, if any, the trustee will pay to creditors.
Collection of Discharged Debts Prohibited
The discharge prohibits any attempt to collect from the debtor a debt that has been discharged. For
example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a
lawsuit, to attach wages or other property, or to take any other action to collect a discharged debt from the
debtor. [In a case involving community property:] [There are also special rules that protect certain community
property owned by the debtor’s spouse, even if that spouse did not file a bankruptcy case.] A creditor who
violates this order can be required to pay damages and attorney’s fees to the debtor.
However, a creditor may have the right to enforce a valid lien, such as a mortgage or security interest,
against the debtor’s property after the bankruptcy, if that lien was not avoided or eliminated in the bankruptcy
case. Also, a debtor may voluntarily pay any debt that has been discharged.
Debts That are Discharged
The chapter 7 discharge order eliminates a debtor’s legal obligation to pay a debt that is discharged. Most,
but not all, types of debts are discharged if the debt existed on the date the bankruptcy case was filed. (If this
case was begun under a different chapter of the Bankruptcy Code and converted to c