How Can I Determine the Date of My Bankruptcy Discharge?

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The date of your bankruptcy discharge is a monumental date in your case. When you receive your discharge, you no longer have to worry about paying your debt. After the date of your discharge, it becomes illegal for your creditors to have any contact at all with you regarding your debt. The court will inform you as to the date of your discharge.

Wait for Mailed Discharge Papers

When you receive a bankruptcy discharge, the court will mail you a printed copy of the discharge. A bankruptcy discharge notification is a boilerplate document that states that a discharge has been ordered in your case. While the document will include your case number and date of discharge, it will not list the individual debts included in your discharge.

Count 60 Days

In a Chapter 7 bankruptcy, the court will grant you a discharge 60 days after the "meeting of creditors," barring unusual circumstances. The meeting of creditors is simply a review of your petition conducted by your bankruptcy trustee. During and after the meeting, your creditors or the trustee may object to your case for a number of reasons, such as fraud. However, once the 60-day limit elapses, you are legally entitled to your discharge. The time until discharge can be up to five years in a Chapter 13 case, because the court will not grant your discharge until you complete the payment plan to which you agreed when you filed.

Check PACER

The Public Access to Court Electronic Records website, often referred to simply as PACER, provides information on court cases from across the country. As your bankruptcy is a public record, both you and any other members of the public are allowed to look up the files pertaining to your case. If you enter identifying information such as your case number, name or social security number, you can find all of the documents entered in the docket for your case. If you have received your bankruptcy discharge, you can find the date of the discharge under the PACER records for your case.

Call Your Bankruptcy Clerk

Although your local bankruptcy clerk cannot provide you with any legal assistance, he can perform administrative tasks relating to your case on your behalf. If you have not received notification of your discharge, it is entirely possible that your court is simply backlogged with cases and has not had the time to get to your case yet to issue your discharge. The paper certificate signifying your discharge is a mere formality, however, as you are legally entitled to your discharge once the time period for objections has elapsed.

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