Notification of debt discharge is the last step in the process of filing for bankruptcy. The person is usually notified of the discharge by mail.
Most courts send a form called "Discharge of Debtor" to the person filing and to all creditors. This form is a copy of the court order discharging the person from his or her dischargeable debts. It serves as notice that the discharge has been granted and that creditors are forbidden from attempting to collect discharged debts. It is usually mailed about four months after a Chapter 7 case is filed.
You should keep a copy of your "Discharge of Debtor" form in a safe place. It's not uncommon for credit reports to fail to list discharged debts properly. If you discover this error on your credit report, you will need the discharge form to update the information.
The Value of Legal Representation
Bankruptcy law offers numerous protections for debtors, but the process of resolving a Chapter 7 case can be difficult to navigate. At Steffens Law Office, we'll help you take control of your debt by guiding you through the Chapter 7 process from start to finish. Call today to schedule a free, no-obligation initial consultation with our experienced bankruptcy attorney.