The court will deny a discharge in a later chapter 7 case if the debtor received a discharge under chapter 7 or chapter 11 in a case filed within eight years before the second petition is filed.

What do you need to know about discharge in bankruptcy?

The bankruptcy discharge varies depending on the type of case a debtor files: chapter 7, 11, 12, or 13. Bankruptcy Basics attempts to answer some basic questions about the discharge available to individual debtors under all four chapters including: What is a discharge in bankruptcy?

Can you discharge debts in a chapter 13 bankruptcy?

A slightly broader discharge of debts is available to a debtor in a chapter 13 case than in a chapter 7 case.

How long does it take to get a Chapter 7 bankruptcy discharge?

If you’re filing for Chapter 7 bankruptcy, you can expect the process to take anywhere from three to six months depending on the complexity of your case. But there are a lot of little deadlines in between filing your petition and receiving your bankruptcy discharge. 14 Days after Bankruptcy Filing.

When does a discharge occur in a chapter 13 bankruptcy?

Since a chapter 12 or chapter 13 plan may provide for payments to be made over three to five years, the discharge typically occurs about four years after the date of filing. The court may deny an individual debtor’s discharge in a chapter 7 or 13 case if the debtor fails to complete “an instructional course concerning financial management.”

Can a debtor object to a discharge in Chapter 7?

In chapter 7 cases, the debtor does not have an absolute right to a discharge. An objection to the debtor’s discharge may be filed by a creditor, by the trustee in the case, or by the U.S. trustee.

Can a bankruptcy debtor request a hardship discharge?

Although a chapter 13 debtor generally receives a discharge only after completing all payments required by the court-approved (i.e., “confirmed”) repayment plan, there are some limited circumstances under which the debtor may request the court to grant a “hardship discharge” even though the debtor has failed to complete plan payments.

Can a debtor be discharged under the Bankruptcy Code?

Not all debts are discharged. The debts discharged vary under each chapter of the Bankruptcy Code. Section 523 (a) of the Code specifically excepts various categories of debts from the discharge granted to individual debtors. Therefore, the debtor must still repay those debts after bankruptcy.

What is the 2004 rule of bankruptcy procedure?

Rule 2004 of the Federal Rules of Bankruptcy Procedure allows any “interested person” to require someone else to testify and produce documents on matters related to your bankruptcy.