The Bankruptcy Discharge
Most people file for bankruptcy in order to get out from an overload of debt. This is accomplished through the bankruptcy discharge: a court order, issued at the end of the bankruptcy case, that discharges (erases) most or all of the filer's debts.
But not all debts can be discharged in bankruptcy. The debts you can discharge depends on the type of bankruptcy you file, whether you engaged in fraud, and in some cases (like with credit card purchases for luxury goods), when you incurred the debt.