Claim - A creditor's assertion of a right to payment from a debtor or the debtor's property.⏎
Consumer debts - Debts incurred for personal, as opposed to business, needs.⏎
Default judgment - A judgment awarding a plaintiff the relief sought in the complaint because the defendant has failed to appear in court or otherwise respond to the complaint.⏎
Conviction - A judgment of guilt against a criminal defendant.⏎
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.⏎