Tomorrow is my reaffirmation hearing and I am 8 business days away from my Discharge date. I filed Pro Se so this is why I am asking this. Is it safe to say that my bankruptcy is going to discharge with no hiccups and also what happens when my BK discharges on the 5th?
When you receive your discharge, you are relieved of personal liability for your debts. You are obtaining your "fresh start." There is no way to say whether there will be no hiccups without reviewing your paperwork. It's impossible. However, if you were honest and truthful and listed all of your debts and you provided any additional documentation to the Chapter 7 Trustee (if requested) and there have been no objections from creditors or the Trustee, ... sounds like you'll be okay.
Because you reaffirmed on your (car? house?) that debt will NOT be discharged and it will be as if there never was a bankruptcy filed with regard to that debt. If no one objects in the days coming up to your discharge, then all other debts subject to discharge will be discharged, meaning your liability to pay them is extinguished. Then you can start rebuilding your credit over the next several years and good luck to you in that process.
I am not your attorney unless you and I have signed a retainer agreement. What I am saying is not legal advice. Do not act on this information without engaging my services, this is for consideration only.
Make sure that you get a certificate of completion for the financial management course and file it with the Court in order to receive your Discharge. If you file the certificate with the Court and receive no objections within 60 days of your 341 meeting you should get your discharge with no problem.
Did you complete your financial management class and file the certificate with the cover form with the court? Do you have your trustee's mailing address to send him/her a copy of your 2014 tax return? Getting your discharge does not mean that your case will close - your trustee can rescind your discharge lickity split if you fail to provide the tax return and turn over any refund check. Until the deadline for your creditors to object to your discharge actually happens, no one knows whether a creditor will or will not object. Hope this perspective helps!
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