A bankruptcy discharge varies depending on the type of case the debtor files. Its effect is to release the debtor from liability for certain types of debts. That debtor would no longer be required to repay those debts. The discharge forever bars creditors from trying to collect those debts. Even though the debtor is discharged, if a creditor has properly secured a lien against a property then they would be able to seek the return of that property if they are not paid. Each bankruptcy chapter has different requirements that must be met before a discharge is entered. Consult with your attorney to determine if there are any obstacles to obtaining a discharge.