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In a Chapter 7 Bankruptcy the Discharge is Issued Within Six Months

In a Chapter 7, the discharge is going to be issued relatively quickly within six months. In a Chapter 13, the discharge is not going to be issued until the end of the plan because to the extent, the creditors are going to get paid; they’re going to get paid while the person’s in the plan making the payment. So, that discharge isn’t going to be issued until 3 or 5 years after the filing of a case. If, at any point, the case gets dismissed, you miss a plan payment and the trustee moves for dismissal, then the automatic stay will stop upon dismissal, you don’t have a discharge. The creditors can then come back and resume their collection activities.