Your bankruptcy is completed when you obtain your discharge. Your discharge from bankruptcy acts as the point in time when your debts are legally cancelled.
Most individuals obtain their discharge quite easily. Most first and second time bankruptcy filings will qualify for an ‘Automatic discharge”. An automatic discharge is issued at the end of the bankruptcy process as explained on How long is the bankruptcy process
The automatic discharge is issued in most cases, unless an opposition to your discharge is filed, for the following reasons:
- You did not complete your duties as a bankrupt (i.e. did not provide your Trustee with proof of your income each month, did not attend counselling sessions, or make the required payments)
- One of your credits opposes your discharge.