The Bankruptcy Discharge

How long before I get my Chapter 7 discharge?

Under normal circumstances, the bankruptcy court will automatically issue the discharge 90 days after the First Meeting of Creditors. What this means is all of the debtor's dischargeable debts are now "wiped out" and the creditors of those debts may not take any actions against the debtor to satisfy those debts.

Do I receive a discharge in Chapter 13?

Yes, provided you make all payments in accordance with your approved Chapter 13 plan you will receive a discharge upon completion of your plan payments. If your approved plan contemplates repaying unsecured creditors pennies on the dollars, upon receiving your discharge you will no longer be obligated to repay the balance of the unsecured debt.