I'm sorry, but your question was not entirely clear. Here is what I think you are asking: Your discharge in Ch. 13 is not going to be granted (because you must wait four years after a Ch. 7 to file a Ch. 13 case-and get a discharge. You can file sooner (a rare event), but you would be using the bankruptcy system simply to hold off your creditors while you get them paid, in whole or part. Once your Ch. 13 Plan is completed-as it apparently has been-either of two things happens: a. If you paid your creditors 100% of their claims, then your situation is as good as having been granted a discharge, because they will no longer have claims on you; or b. If you have not paid your creditors 100% of their claims, they will not be entitled to try to collect the rest from you. Did you have an experienced lawyer assist you in the second bankruptcy?
Answered on Dec 09th, 2016 at 5:52 AM