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The average time required to receive a bankruptcy discharge varies according to
chapter selected. Chapter 7 discharges for typical consumer cases
occur 4 to 6 months after filing a petition. In Chapter 13 cases, discharge of
debts that are designated in the plan for partial payment are discharge after plan
completion which ranges from 3 to 5 years from first payment. In chapter 11 cases,
liquidated portions of debt occur upon the confirmation of the plan by the court.
Although both chapter 11 and 13 cases require plan confirmation for
reorganization of debts, the actual discharge occurs at different times.
Ohio Bankruptcy Law - Trustees
The discharge in all cases occurs only with court approval after objections filed by creditors and
the trustee, if any, are resolved the court. After a court determines that the
debtor satisfied all code requirements and resolved all valid objections, a
hearing is required for the court to grant discharge. If no objections remain, the
may conduct discharge hearings administratively, that is, without the necessity
of debtor attendance, and the resulting order granting a
bankruptcy discharge is mailed to debtors and/or their attorneys.
The operation of law pertaining to federal debt relief is complex. State law statutes, federal rules, and
decisions rendered by courts combine to establish a local standard for Ohio Bankruptcy Courts. Anyone who
considers filing should, at a minimum, balance short term requirements to long term benefits. Each debtor is
different. The most valuable benefits are a personal choice, with availability dependent upon the application of
law to unique circumstances.
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