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Timeline: Discharge


If you filed a Chapter 7 bankruptcy petition, you can expect to receive your discharge 8-10 weeks after the date of your 341 meeting. If you filed a Chapter 13 bankruptcy, you will receive your discharge after your last plan payment.

Once you are discharged, the bankruptcy process is completed. You are released from personal liability for debts listed in your bankruptcy petition and the creditors owed those debts cannot take any action against you to collect. The discharge prohibits the creditors from communicating with you regarding the debt, including telephone calls, letters, and personal contact.

Your bankruptcy can be reported on your credit report for 10 years from the date you filed. After discharge, you are entitled under federal law to have the balance of each discharged debt reported as zero.

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