Effect of dischargeAfter discharge, all property in the bankruptcy estate belongs to you (the debtor), free and clear of all claims and interests of creditors, with a few exceptions, such as mortgages. A criminal fine, or damages for personal injury, may not be discharged. A motion objecting to debtor’s discharge must be filed no later than 60 days after the 341(a) meeting of creditors.
Hearing to determine if debtor has met discharge requirementsA hearing will be held no more than 10 days before the date of entry of the order of discharge to determine if all requirements for discharge have been met. You will not be discharged if the court finds that you:
- Are not current with domestic support obligations (child support and alimony) as provided in the plan. You must file a certification that you have met all domestic support obligations.
- Received a Chapter 13 discharge within 2 years of filing the petition.
- Received a Chapter 7, 11 or 12 discharge within 4 years of filing the petition.
- Have not filed tax returns as required by statute.
- Have not attended a personal financial management course as approved by the U.S. trustee and filed the required certificate.