Chapter 7 Closed Without Discharge
Description
How to fill out Discharge Of Joint Debtors - Chapter 7 - Updated 2005 Act Form?
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FAQ
Although there is no guarantee of a discharge, the chances of success are typically high. In the US, approximately 99% of individual debtors who file for Chapter 7 bankruptcy have their debts discharged, which is a significant percentage.
Filers are usually hoping to get a bankruptcy discharge. That's the order that wipes out certain debts and gives you a fresh start. A dismissal is very different. It means your case has been stopped before the court granted a discharge.
Cases are closed without discharge when the debtor does not complete the required debtor education required as a condition of discharge. The court may also close your case without discharge if you failed the last step for getting rid of debt. Your filing may not have been filed timely.
You can only receive a chapter 7 discharge once every eight years. Other rules may apply if you previously received a discharge in a chapter 13 case. No one can make you pay a debt that has been discharged, but you can voluntarily pay any debt you wish to pay.
The court may dismiss a proven charge without recording a conviction or imposing a penalty. This is known as dismissal. Where a charge is proved, the court may record a conviction but not impose any other penalty. This is known as a discharge.