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In a Chapter 7 case, the earliest you could receive a discharge is 60 days after your meeting of creditors (341(a) hearing) because your creditors are given this amount of time to object.  It can take a few additional weeks or months after this period for the Bankruptcy Court to close your case and notify all parties of your discharge.  In all honesty, the Bankruptcy Courts have been quite backed up lately, so we have noticed that it can take an average of 3-5 months after the hearing to be discharged.

A bankruptcy discharge releases the debtor from personal liability for certain specified types of debts.  In other words, the debtor is no longer legally required to pay any debts that are discharged.  The discharge is a permanent order prohibiting the creditors from taking any form of collection action on discharged debts, including legal action and communications with the debtor, such as telephone calls or letters.

YES!  You will only receive a discharge if you have (1) taken a Financial Management Course AND (2) the Certificate of Completion and B23 form is filed with the court.  These documents will be filed by your attorney.   However, it is your responsibility to take the course and provide your attorney with the certificate before the deadline.  If you ordered the complete package at your consultation, this cost of this class has been included in the fees you paid and you can simply log-in and take the class soon after your hearing.

Generally speaking, there is no need to be alarmed as these requests occur quite frequently.  While we work diligently to ensure we submit all necessary forms and documents, the Trustee has a lot of discretion to request additional information and or adjustments.  If there is anything that the Trustee requested at your hearing, your attorney will contact you and either submit the requested documents or make the appropriate amendments.  Amendments cost an additional $150.  Remember, it is your responsibility to get any additionally requested paperwork to your attorney or else risk having your case be dismissed without discharge.