There are certain types of debts including credit card debt listed in your bankruptcy that may be discharged whenever you file for Chapter 7 or 13 bankruptcy. When a debt is discharged in bankruptcy the debt is forgiven. Whenever a particular debt in discharged, you are relieved of legal responsibility for the debtor and can never be forced to pay it back. Your creditors will be prohibited from suing you or taking legal action to enforce the debt. They are also prohibited from calling you, sending your demand letters, or harassing you in any way.
From a legal standpoint, the term "discharge in bankruptcy" refers to a permanent order issued by a federal bankruptcy judge that forbids credit card companies and other nonexempt creditors from collecting on an existing debt that were listing in your bankruptcy. The term "discharge in debt" actually refers to one or all of the debts covered by the order.
The timing of the discharge will depend on the chapter under which a debtor files. With a Chapter 7 Bankruptcy, the court typically grants a discharge relatively fast. Generally around 4 months after the petition is filed. Chapter 13 grants debtors a temporary reprieve from creditor harassment and may also allow them to keep their home or car. Under this chapter, you must pay back credit card debt and other nonexempt debts within a certain period of time than ranges between 3 to 5 years. After this specified time period and repayment schedule, the debt is considered discharges.