Bankruptcy discharge?

You've received a bunch of bogus responses, now read a response from a bankruptcy attorney.

When you file for Chapter 7, the court schedules a meeting of creditors in each case, usually about 30 days after the filing. The meeting is nick-named the "341 meeting" after the section of the bankruptcy code that requires it.

The chapter 7 trustee asks you about assets. In most no asset cases, the trustee's work is concluded at the 341 meeting. He does not monitor the debtor's post petition income or assets or perform any other "tests" of the debtor's entitlement to a discharge.

The deadline for a creditor to file and adversary proceeding to object to yo receiving a discharge is 60 days after the date for the first meeting of creditors. If no creditor objects, then you will generally receive you discharge within few days after the adversary proceeding expires.

Most of the Chapter 7 cases I've handled in the last year take 3 to 3 1/2 month form the date of filing to the date fo the discharge.

I assume you filed chapter 7 bk? Your credit report until discharge is going to be bad, that is one of the first reasons you can't get financed. In addition, you have the BK filing with the case number on your credit report which means that until you are discharged if they sell you a car you could go into court and add that new car debt on the current filing, and they will not touch you as a result. The only thing you can do is to go to one of the Buy Here, Pay Here lots, where you are not going to get a decent car, nor are you going to get a good deal. Essentially, you are stuck for now. After your BK discharges, you may find a dealer that will put you on 2nd chance financing with a really high rate, but there won't be much you can do. You can talk to the trustee and bk court judge to see if you can remove some of your assets so that you can afford to get the car repaired, at least for now. I have seen that happen quite often, provided you bring in an official estimate of the costs of the repairs. The BK courts will usually look at that and consider, no car, no work, variables and allow you an option to repair the car with moneys you have already submitted. Each case is different, and it doesn't hurt to ask. Good luck

Discharge should happen within a few months on a Chapter 7.

Chapter 13 is much longer, the debts must be paid off through the wage earners plan 1st.

Removal from the credit reports is totally different:

Chapter 7 = 10 Years from date of discharge

Chapter 13 = 7 Years from date of discharge

Here is a excellent article about BK: http://www.expert-credit-advice.com/bankruptcy_fac...

The entire website is fascinating........

Check out the free credit repair and debt settlement kit.

You may want to check your notice of filing and see when the last date a creditor has to object to the discharge. Most courts will discharge a case within 30 days after that date. If you have not completed your personal financial management course within 45 days of attending your meeting of creditors, you will not receive a discharge.

7-10 years

7-10 years for a bankruptcy to be discharged

TO BE HONEST WITH YOU AND PUT IT BLUNTLY, IT'S GOING TO STAY ON YUR RECORD NO MATTER WHAT...THE ONLY THING ABOUT IT IS THAT IT WON'T COUNT AGAINST YOU AS BADLY, BUT WHEN CREDITOR'S PULL UP YOUR CREDIT REPORT THEY WILL SEE THAT...

two to seven years here