No. In a chapter 7 case, the discharge applies to all debts that existed on the date of the
bankruptcy filing (not to debts that arise after the debtor files the petition), with two major
categories of exceptions: secured debts and nondischargeable debts.
Secured Debts: The discharge does not affect a creditor's lien against
collateral, so it does not prevent a creditor who holds a lien from enforcing that lien. Unless
the debtor reaffirms the secured debt or redeems the collateral, the secured creditor can seize
the collateral, sell it, and use the proceeds to satisfy its claim. But this is all the secured
creditor can do. Unless the secured debt is also a nondischargeable debt (as discussed below), the
discharge prohibits the secured creditor from collecting the balance (sometimes called a
"deficiency claim") if the collateral did not fully pay their claim.
Nondischargeable Debts: The Bankruptcy Code says the discharge does not apply
to certain kinds of debts. These differ according to the chapter under which you file your
bankruptcy petition and receive your discharge.
In Chapter 7 cases, eighteen categories of debts are excepted from the
discharge. See section 523(a) of the Bankruptcy Code for the full list. Most are excepted from
discharge without the creditor having to take any action; these include--to cite only the
exceptions that arise most frequently --
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