The timing of the discharge varies, depending under which type of bankruptcy a case is filed.


Bankruptcy(2) Occurrence of a dischargewhen does it happen?
The timing of the discharge varies, depending under which type of bankruptcy a case is filed. In a liquidation case for example, the court usually grants the discharge promptly on expiration of the time fixed for filing a complaint objecting to discharge and the time fixed for filing a motion to dismiss the case for substantial abuse (60 days following the first date set for the 341 meetings). Typically, this occurs about four months after the date the debtor files for the petition with the clerk of bankruptcy court.
In individual cases such as adjustment of debts of a family farmer or fisherman and adjustment of debts of individuals with regular income, the court generally grants the discharge as soon as practicable after the debtor completes all payments under the plan. Since the cases are provided payment plans to be made over three to five years, the discharge typically occurs about four years after the date of filing.
The courts may deny an individual debtor's discharge in the above cases if the debtor fails to complete "an instructional course concerning financial management."
Revocation of discharge
There are certain circumstance in which the court may revoke a discharge, e.g, a trustee or creditor may request that the court revoke the debtor's discharge based on allegations that the debtor: obtained the discharge fraudulently; failed to disclose the fact that he or she acquired or became entitled to acquire property that would constitute property of the bankrupt estate; or ailed to explain any misstatements discovered in an audit of the case. In order to revoke the debtorfs discharge, the request must be filed within one year of the discharge. It is up to the court to decide if such allegations are true, and if so, whether or not to revoke the discharge.