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In other words, the debtor is no longer legally required to pay any debts that are discharged. Your case may be dismissed, and your ability to obtain future relief from your creditors may be severely limited.The court must approve your repayment plan and your budget. As a public service, the staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Debt Collection Practices Act. "Court Order: The court grants the debtor's motion and approves the reaffirmation agreement described above.". You also have to complete a debtor education course before your debts can be discharged. Different loan products and lenders will have different DTI limits. Generally, the court will approve new debt, or an extension of credit, if you need to buy property or services to complete your plan. The Bureau of the Fiscal Service in the Department of the Treasury collects overdue (delinquent) nontax debt for other federal agencies. A discharge is a court order relieving the debtor from liability for certain debts.