Which action permanently prohibits creditors from collecting certain debts from an owner?

The correct action that permanently prohibits creditors from collecting certain debts from an owner is bankruptcy discharge. When an individual files for bankruptcy and follows through with the legal process, the court may issue a discharge order. This order alleviates the person from the obligation to pay back specific debts, effectively blocking creditors from pursuing collection actions on those discharged debts.

The bankruptcy discharge is a crucial legal mechanism designed to provide a fresh start for individuals overwhelmed by debt. Once debts are discharged, they can no longer be legally enforced by creditors, enabling the individual to move forward without the burden of those particular financial obligations.

In contrast, dismissing bankruptcy does not provide any relief; it merely means that the bankruptcy petition is terminated without granting any discharge. Filing a claim is simply a step in the bankruptcy process where creditors state what they are owed, but does not itself discharge debts. Restructuring debts may help to manage payments but does not provide the same legal protection or discharge that bankruptcy does.