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

When does a chapter 13 bankruptcy case close?

If you filed for Chapter 13 bankruptcy, you typically have to complete your Chapter 13 repayment plan before the court will grant you a discharge. (To learn more, see The Bankruptcy Discharge.) Even if you receive a discharge, your bankruptcy remains open until the court enters a final decree or order closing your case.

What happens at a chapter 13 discharge hearing?

Discharge Hearing. After you have paid off all the debts covered by your Chapter 13 case, you must go to bankruptcy court one last time for your discharge hearing. If you prefer, you may send an attorney to the hearing in your place.

What’s the difference between Chapter 7 and Chapter 13 bankruptcy?

When you complete your Chapter 13 repayment plan, you’ll receive a discharge order that will wipe out the remaining balance of qualifying debt. In fact, a Chapter 13 bankruptcy discharge is even broader than a Chapter 7 discharge because it wipes out certain debts that aren’t nondischargeable in Chapter 7 bankruptcy.

When do you get discharged from a Chapter 7 bankruptcy?

In Chapter 7 bankruptcy, you normally receive a discharge a few months after filing your case. If you filed for Chapter 13 bankruptcy, you typically have to complete your Chapter 13 repayment plan before the court will grant you a discharge. (To learn more, see The Bankruptcy Discharge.)

What happens if your discharge from bankruptcy is suspended?

“Not co-operating” means refusing to answer questions or concealing things. If your discharge from bankruptcy is suspended, you will be told by the court whether you have to do anything in order to get your discharge. Discharge day – nothing happens!

How long does it take for a bankruptcy to be discharged?

The discharge occurs after all the payments under the repayment plan have been made in a Chapter 13 bankruptcy, typically three to five years. Key Takeaways A bankruptcy discharge effectively erases certain debts.

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.