De facto - Latin, meaning "in fact" or "actually." Something that exists in fact but not as a matter of law.⏎
Discharge - A release of a debtor from personal liability for certain dischargeable debts. Notable exceptions to dischargeability are taxes and student loans. A discharge releases a debtor from personal liability for certain debts known as dischargeable debts and prevents the creditors owed those debts from taking any action against the debtor or the debtor's property to collect the debts. The discharge also prohibits creditors from communicating with the debtor regarding the debt, including through telephone calls, letters, and personal contact.⏎
Conviction - A judgment of guilt against a criminal defendant.⏎
Claim - A creditor's assertion of a right to payment from a debtor or the debtor's property.⏎
Consumer bankruptcy - A bankruptcy case filed to reduce or eliminate debts that are primarily consumer debts.⏎