The form is a discharge of joint debtors. The debtors are granted a discharge pursuant to 11 U.S.C. section 727. The signature of the bankruptcy judge is required for this action.
Rhode Island Discharge of Joint Debtors - Chapter 7 - updated 2005 Act form
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How to fill out Discharge Of Joint Debtors - Chapter 7 - Updated 2005 Act Form?
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Receive your bankruptcy discharge: If you have completed all necessary steps and duties, you will automatically be discharged from your remaining debts at the 9- or 21-month mark (with minor exceptions). Some remaining steps may be required, as set out in your court order.
If your case is dismissed, you are entitled to a refund of any money that is still in the trustee's possession. However, the trustee has to get approval from the court to send the money back to you, and they are allowed to take their administrative fees out of that money before refunding it.
After Plan Completion: After all payments have been completed, the Chapter 13 Trustee will file a Motion to Return any Excess Funds to Debtor and to Terminate any Payroll Deduction by Employer. If the Motion is granted, the Court will enter an order granting the motion and issue two notices.
A Chapter 13 bankruptcy will remain on your credit report for seven years from the date of filing. At the end of seven years, information on your bankruptcy will fall off, and your credit score could increase.
After Plan Completion: After all payments have been completed, the Chapter 13 Trustee will file a Motion to Return any Excess Funds to Debtor and to Terminate any Payroll Deduction by Employer. If the Motion is granted, the Court will enter an order granting the motion and issue two notices.
Don't worry about overpaying. If you overpay the trustee will issue a refund.
Chapter 11 is the chapter used by large businesses to reorganize their debts and continue operating. Corporations, partnerships, and limited liability companies cannot use chapter 13 to reorganize and must cease business operations if a chapter 7 bankruptcy is filed.
Filing a Chapter 13 after a Chapter 13 only requires a two-year waiting period, making it the shortest gap period between any two types of bankruptcies. However, it's quite rare since a Chapter 13 restructure usually takes 3 to 5 years to repay fully.