June 20th, 2006 by Questions

Are you discharged from Bankrupcy after 7 seven years automatically? Do you have to go through your trustee to be discharged after 7 years?


3 Responses to “Discharge”

, A licensed trustee said:

No, you are not automatically discharged from bankruptcy after 7 years.

In order to be discharged from bankruptcy there are certain duties that must be performed – if you have not performed those duties you will not be discharged.

If you are uncertain as to whether or not you have been discharged then I suggest you contact the trustee that handled your bankruptcy for you. They will know whether or not you were discharged and if you were not, they should be able to tell you what you need to do now in order to be discharged.

, linda said:

I was told by my Trustee and my friends who had been through this torture previously that 6 years was the magic number – I just reached 6 years and was planning to celebrate onlly to call and find it was seven years and that the trusteee misled me. Do I have recourse??


, A licensed trustee said:

Your discharge occurs when you have completed your duties. A first time bankrupt is eligible for an automatic discharge after nine months. Otherwise, a court discharge hearing is held, and the Bankruptcy Judge or Registrar determines when you are discharged.

The note about your bankruptcy appears on your credit report for six years after the date of discharge; I assume that is what you are refering to; more information on your credit report and bankruptcy can be found at this link to Equifax: http://www.equifax.com/EFX_Canada/consumer_information_centre/faqs_e.html#ques12

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