Discharge Bankruptcy

Ways to Object to a Bankruptcy Discharge If you'd like to dispute the debtor's right to a discharge, you'll need to file either an adversary proceeding (a type of lawsuit) or a motion, depending on the type of debt involved.

If the court grants a creditor or trustee's objection to a debt discharge, you'll remain responsible for paying the debt.Interested parties such as creditors or the trustee still have time to object to your bankruptcy discharge after your initial hearing.

Ways to Object to a Bankruptcy Discharge If you'd like to dispute the debtor's right to a discharge, you'll need to file either an adversary proceeding (a type of lawsuit) or a motion, depending on the type of debt involved.

In most cases, the court will close your case shortly after it enters your discharge. But the court can reopen your bankruptcy case for a variety of reasons even after you receive your discharge. Read on to learn more about why your bankruptcy case may be reopened and who can request that the court reopen it.

For most filers, a Chapter 7 case will end when you receive your dischargethe order that forgives qualified debtabout four to six months after filing the bankruptcy paperwork. Although most cases close after that, your case might remain open longer if you have property that you can't protect (nonexempt assets).

An objection to claim may be filed to object to one claim or multiple claims subject to conditions in Federal Rule of Bankruptcy Procedure 3007(e). When an objection to claim objects to multiple claims, it is called an omnibus objection to claim. An omnibus objection to claim may cause the entry of multiple orders.

If you lied on a loan application or otherwise used fraud, false pretenses, or misrepresentation to obtain credit, the creditor will likely have grounds to object to your discharge.

The trustee (or a creditor) can object to the Chapter 13 plan if it appears that someone isn't getting paid the right amount. A judge has the final say, however, and will either approve or reject the plan at the confirmation hearing.

An objection to a proof of claim must be in writing and filed with the bankruptcy court. A copy of the objection and the notice of court hearing date must be mailed to the creditor, the trustee, and the debtor at least 30 days before the hearing.