If the trustee determines that all of your assets are exempt he will recommend to the court that your debts be discharged.  Approximately 90 days after your 341 hearing the court will order your debts discharged and your Chapter 7 will be completed.

At the end of the bankruptcy process, all of your debts are wiped out (discharged) by the court, except:

  • debts that automatically survive bankruptcy, such as child support, most tax debts, and student loans, unless the court rules otherwise, and
  • debts that the court has declared non dischargeable because the creditor objected (for example, debts incurred by your fraud or malicious acts).