If you’ve filed for bankruptcy, you’re probably anxious to get a discharge of your debts. The time for a discharge to occur varies, depending upon what case is filed. In Chapter 7 bankruptcy cases, the discharge generally occurs soon after the timeframe to file a dispute of the discharge expires. This tends to be about four months after the petition is filed with the bankruptcy court.
In Chapter 11, Chapter 12, and Chapter 13 bankruptcy, the discharge in bankruptcy is usually granted as soon as the agreed payment plan has been satisfied. This means that the discharge might not occur for three to five years after the petition has been filed, especially in Chapter 12 and Chapter 13 cases.
It is important to remember that before the conclusion of your bankruptcy case, and in order to qualify for a discharge, you must complete a required financial management course. If this condition is not met in a timely manner, the discharge may be denied.