Discharged Bankruptcy Chapter 13 Forms Florida
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FAQ
Effects of discharge After discharge, the NPII will be updated to show that the bankrupt has been discharged. Credit reporting bodies are permitted under privacy legislation to keep a record of bankruptcies for up to five years from the date of bankruptcy or two years from the date of discharge, whichever is longer.
The discharge releases the debtor from all debts provided for by the plan or disallowed (under section 502), with limited exceptions. Creditors provided for in full or in part under the chapter 13 plan may no longer initiate or continue any legal or other action against the debtor to collect the discharged obligations.
About 45 days after you've received your discharge, you will receive a document called a Final Decree. It's the document that officially closes your case. Once this document is received, you are no longer in bankruptcy.
Section 706(a) of the Bankruptcy Code (?Code?) provides ?[t]he debtor may convert a case under this chapter to a case under chapter 11, 12 or 13 of this title at any time, if the case has not been converted under section 1112, 1208 or 1307 of this title.? While the Code is clear as to the debtor's right to convert ...
If you had a Chapter 13 bankruptcy discharge and are looking to file again, you must wait two years from the previous filing date. While this is the shortest time allowed between any two filings, it is also the rarest sequence because a Chapter 13 restructuring typically takes three or five years to repay.