Below find the actual Discharge Information sheet I received at the end of my 341 Creditor's Meeting. As you can see, this applies to the Southern District of Florida, so the rules applicable to you may differ in your District and/or State.

Also note portions which I highlighted/italicized for emphasis; this was information which was real news to me, if true!

UNITED STATES BANKRUPTCY COURT

SOUTHERN DISTRICT OF FLORIDA

NOTICE TO DEBTOR

EFFECT OF DISCHARGE

Due to a change in the Bankruptcy Law you are no longer required to attend a separate discharge hearing. This notice is provided in lieu of that discharge hearing and will generally describe the effects of a discharge. Bankruptcy Law provides that any interested party has sixty days from the meeting of creditors in which to file an objection to discharge. This cutoff date is provided in your notice for the meeting of creditors. Should an interested party file a complaint objecting to discharge, you will be provided separate notice and an opportunity to answer that complaint. Should a complaint objecting to discharge not be filed within the prescribed time limits, you are eligible to receive a discharge which will be mailed to you at that time.

A discharge releases you from the obligation to pay all dischargeable debts. Any judgment obtained in any court other than this court is null and void as a determination of your personal liability with respect to those dischargeable debts. Debts which are not discharged by this bankruptcy proceeding include: alimony and child support payments, punitive fines and penalties imposed by a government unit, student loans, taxes, drunk driving damages, credit purchases for luxury goods or services of more than $500.00 within forty days before filing for bankruptcy, cash advances of more than $1,000.00 within twenty days before the filing of bankruptcy, debts proved to be incurred by fraud or use of false financial statement, unscheduled debts to creditors without knowledge of the case, debts proved to be arising from embezzlement, larceny or breach of a fiduciary duty, damages arising out of intentional torts, and debts previously excepted from discharge. Should you have a question as to whether a particular debt is discharged you should consult your attorney.

All of your creditors will receive a notice of your discharge. A creditor whose debt is discharged is enjoined from attempting to collect on that debt. Should a creditor persist after having been advised of your discharge, you should contact your attorney to determine the appropriate relief against that creditor.

KAREN EDDY

Clerk of Court