The Standard Legal Lingo

I got an email from my Attorney today explaining the court order I received in the mail yesterday. He writes:

This is the standard language in the no asset order. What this means is that the trustee is not going to take any of your assets. It also means that secured creditors are free to pursue their claims in state court if you are in default on a home loan or car loan. As long as you are not in default then you may keep the secured property that you are reaffirming on with a secured creditor. This order just means that the chapter 7 trustee is relieved of further duty. It is not the discharge of your case, which will come in the next 30 to 60 days.

The good news, is we don't currently have a car or home payment, so there's nothing for creditors to go after. The bad news is, we still have another month or two before this whole thing is behind us. Can't wait to get it over with!