Laws Protecting Californians From Debt Collectors
Debt collectors are on the rise in California, and those in debt need to know their rights. Understanding the legal terminology surrounding debt collection is one of the best ways to protect yourself from these practices. So, what’s the difference between a discharge and dismissal when it comes to debts?
A “discharge” is where all or some of your debt may be forgiven by a court. This usually happens if you file for bankruptcy. A “dismissal,” however, does not mean that all your debt has been forgiven; rather, it means that any action taken against you for collecting that debt has been halted due to an error made by either party. The two terms differ in how they affect your obligation to pay back the money owed - a discharge relieves you of this while a dismissal does not.
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