What is the difference between a discharge and a dismissal?

A discharge in Oklahoma bankruptcy law is a written order by the court that releases the debtor from any further responsibility on debts that meet certain requirements. This means that the debtor is no longer legally liable for repayment of the debt and any remaining balance is forgiven. A discharge is generally given as part of a Chapter 7 bankruptcy process where the debtor’s assets are liquidated. By contrast, a dismissal in the Oklahoma bankruptcy law is a court order that, in some cases, closes the case without granting a discharge. This leaves the debtor still legally responsible for the debts. This usually happens when the debtor fails to follow certain court requirements, such as filing the appropriate paperwork or attending a creditors’ meeting. In a Chapter 13 proceeding, dismissal may happen if a debtor fails to make their scheduled payments. In both cases, the debt is not forgiven. The difference is that with a discharge, the debtor is no longer legally liable for the debt. With a dismissal, however, the debt remains in place and the debtor is responsible for repaying it.

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What is the difference between a discharge and a dismissal?

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