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An individual receives a discharge for most of his or her debts in a chapter 7 bankruptcy case. A creditor may no longer initiate or continue any legal or other action against the debtor to collect a discharged debt.In chapter 7 cases, the debtor does not have an absolute right to a discharge. A "discharge letter" is a term used to describe the order that the bankruptcy court mails out toward the end of the case. A "discharge" means you are not personally liable for the money and do not need to pay it back. For most filers, a discharge marks the end of their bankruptcy case. The bankruptcy discharge releases the debtor from liability for certain debts, so the debtor is no longer legally required to pay the balance. The Chapter 7 "discharge order" is the final order you receive in your Chapter 7 bankruptcy. Some taxes may be dischargeable. Whether a federal tax debt may be discharged depends on the unique facts and circumstances of each case.