Q: Is my discharge date 5 years from filing or 5 years from confirmation
A:
A bankruptcy discharge date isn't scheduled in advance. It sounds like you're talking about a Chapter 13 case, since a Chapter 13 case involves a payment plan spanning 3-5 years.
Assuming that the Chapter 13 plan is completed successfully and the debtor is entitled to a discharge of some remaining debt, the discharge is typically entered shortly after the last payment is made under the plan and all other requirements (such as the mandatory financial education course) are completed.
*Kevin Chern is Managing Partner of UpRight Law, a national law firm with licensed attorneys providing bankruptcy and consumer legal services in all 50 states. He is an Illinois licensed attorney with 21 years of federal consumer bankruptcy and consumer protection law experience. This response is for informational purposes only and is not intended to be legal advice. For legal advice, consult an attorney licensed in your state with the appropriate expertise.
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