Hello, I from education can not give you a direct answer, but from experience a discharge can take up to 3 months after the inital court date. All paperwork will be filed, and any funds from the trustee will be distributed within this timeframe. Im not a legal advisor, so this information may vary from state to state. The information listed above was done in the state of Ohio.
A chapter 13 bankruptcy can be filed if it has been at least 4 years from the date of the discharge of a chapter 7. Nonsense. You can file a chapter 13 the day after the 7 is closed. You may not be eligible for a discharge, but the point of doing a "chapter 20" is usually to dump the unsecured debt in the 7 and use the 13 to get caught up on the mortgage, for which no discharge is necessary.
Under current law, you are eligible to receive a Chapter 7 discharge if it has been more than 6 years since your last Chapter 7 discharge. However, new bankruptcy laws taking affect October 17, 2005 create new rules on receiving a discharge: Chapter 7 cannot be filed unless the debtor was discharged from the previous Chapter 7 or Chapter 11 bankruptcy more than eight years ago. Chapter 13 cannot be filed unless: The debtor received a discharge under Chapter 7, 11 or 12 more than four years ago; or the debtor received a discharge under Chapter 13 more than two years ago.
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