Chapter 7 Bankruptcy Discharge

After you file Chapter 7 forms with the court, you will enjoy protection under the federal bankruptcy code. However, your debts are not erased through this filing. The court still must approve your request for permanent protection under the law, supervise the liquidation of your assets, and validate the payments to creditors. Usually, the court will rule on your petition in about three to five months, depending on the complexity of your case and the work load of the court. When the court rules that you are “discharged,” all debts noted in your original filing are erased permanently.