Information to identify the case:

Debtor 1 Joanie−Ann Daniels

First Name Middle Name Last Name

Social Security number or ITIN xxx−xx−6159

EIN _ _−_ _ _ _ _ _ _

Debtor 2

(Spouse, if filing) First Name Middle Name Last Name

Social Security number or ITIN _ _ _ _

 EIN _ _−_ _ _ _ _ _ _

United States Bankruptcy Court Southern District of Florida

Case number: 20−23872−PDR

Order of Discharge 12/18

IT IS ORDERED: A discharge under 11 U.S.C. § 1328(a) is granted to:

Joanie−Ann Daniels

February 16, 2024

By the court:

Peter D. Russin

United States Bankruptcy Judge

Explanation of Bankruptcy Discharge in a Chapter 13 Case

This order does not close or dismiss the case.

Creditors cannot collect discharged debts

This order means that no one may make any

attempt to collect a discharged debt from the

debtors personally. For example, creditors cannot

sue, garnish wages, assert a deficiency, or

otherwise try to collect from the debtors personally

on discharged debts. Creditors cannot contact the

debtors by mail, phone, or otherwise in any

attempt to collect the debt personally. Creditors

who violate this order can be required to pay

debtors damages and attorney's fees.

However, a creditor with a lien may enforce a

claim against the debtors' property subject to that

lien unless the lien was avoided or eliminated. For

example, a creditor may have the right to foreclose

a home mortgage or repossess an automobile.

This order does not prevent debtors from paying

any debt voluntarily. 11 U.S.C. § 524(f).

Most debts are discharged

Most debts are covered by the discharge, but not all.

Generally, a discharge removes the debtors' personal

liability for debts provided for by the chapter 13 plan.

In a case involving community property: Special rules

protect certain community property owned by the debtor's

spouse, even if that spouse did not file a bankruptcy

case.

Some debts are not discharged

Examples of debts that are not discharged are:

♦ debts that are domestic support obligations;

♦ debts for most student loans;

debts for certain types of taxes specified in 11

U.S.C. §§ 507(a)(8)( C), 523(a)(1)(B), or

523(a)(1)(C) to the extent not paid in full under

the plan;

♦ 

For more information, see page 2

Form 3180W (03/03/21) page 1

Case 20-23872-PDR Doc 32 Filed 02/16/24 Page 1 of 2
debts that the bankruptcy court has

decided or will decide are not discharged

in this bankruptcy case;

♦ 

debts for restitution, or a criminal fine,

included in a sentence on debtor's criminal

conviction;

♦ 

some debts which the debtors did not

properly list;

♦ 

debts provided for under 11 U.S.C. §

1322(b)(5) and on which the last payment

or other transfer is due after the date on

which the final payment under the plan

was due;

♦ 

debts for certain consumer purchases

made after the bankruptcy case was filed if

obtaining the trustee's prior approval of

incurring the debt was practicable but was

not obtained;

♦ 

debts for restitution, or damages,

awarded in a civil action against the

debtor as a result of malicious or willful

injury by the debtor that caused

personal injury to an individual or the

death of an individual; and

♦ 

debts for death or personal injury

caused by operating a vehicle while

intoxicated.

♦ 

In addition, this discharge does not stop

creditors from collecting from anyone else who

is also liable on the debt, such as an insurance

company or a person who cosigned or

guaranteed a loan.

This information is only a general

summary of a chapter 13 discharge; some

exceptions exist. Because the law is

complicated, you should consult an

attorney to determine the exact effect of

the discharge in this case.

Form 3180W page 2

Case 20-23872-PDR Doc 32 Filed 02/16/24 Page 2 of 2