7 Steps to a Fresh Start After Bankruptcy - #7
If all goes well with your bankruptcy case under Chapter 7 – that is, no one files a complaint objecting to the discharge or a motion to extend the time to object – the bankruptcy court will issue a discharge order relatively early in the case, about 60 to 90 days after the date first set for the meeting of creditors (Fed. R. Bankr. P. 4004(c)). A discharge order is an order issued by the bankruptcy court, releasing you from personal liability for most debts and preventing your creditors from taking any collection actions against you. As previously mentioned, there are certain types of debts that will never be discharged (see Step #1). As a rule, excluding cases that are dismissed or converted, individual debtors receive a discharge in more than 99 percent of Chapter 7 cases. For someone filing under Chapter 7, a discharge of almost all of your debts is the ultimate goal. With the release of all your debts and creditors stopped from pursuing any further collection actions against you, the opportunity for a fresh start is apparent. |
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