Chapter 7 Discharge

A Chapter 7 discharge is a court order releasing the debtor from personal liability on his or her obligations. However, certain obligations are excepted from discharge. Schedule a telephone consultation to determine if you can discharge certain debts.

Debtors will obtain their Chapter 7 discharge at the end of the Chapter 7 process.

Under Bankruptcy Code 727, the bankruptcy court will grant debtor a discharge unless:

1. The debtor is not an individual;

2. The debtor has concealed assets or failed to preserve records;

3. The debtor has made a false oath or withheld documentation from the Chapter 7 trustee;

4. The debtor has failed to explain any loss of assets;

5. The debtor refuses to obey any lawful order of the court;

6. The debtor has been granted a discharge under Chapter 7 or 11 in a prior case within 8 years before the filing of the present case;

7. The debtor has failed to complete an instruction course regarding financial management;

8. The debtor has been granted a discharge under Chapter 13 in a prior case within 6 years before the filing of the present case unless payments under the plan either totaled 100% of allowed unsecured claims or 70% of such claims and the plan was proposed in good faith.

A Chapter 7 trustee, creditor, or the United States may object to the granting of a discharge. Once a discharge has been granted, the court may revoke a discharge on certain grounds.

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