De facto - Latin, meaning "in fact" or "actually." Something that exists in fact but not as a matter of law.⏎
De jure - Latin, meaning "in law." Something that exists by operation 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.⏎
Consumer debts - Debts incurred for personal, as opposed to business, needs.⏎
Defendant - An individual (or business) against whom a lawsuit is filed.⏎