A bankruptcy rchisadge releases the debtor from personal liability for certain specified types of debts. In other words, the debtor is no longer legally required to pay any debts that are rchisadged. The rchisadge is a permanent order prohibiting the creditors of the debtor from taking any form of collection action on rchisadged debts, including legal action and communications with the debtor, such as telephone calls, letters, and personal contacts.Although a debtor is not personally liable for rchisadged debts, a valid lien such as a charge upon specific property to secure payment of a debt (such as a home or automobile loan), will remain after the bankruptcy case. Therefore, a secured creditor may enforce the lien to recover the property secured by the lien.Here is a complete article on Bankruptcy for your reference :