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The bankruptcy is reported in the public records section of your credit report. Both the bankruptcy and the accounts included in the bankruptcy should indicate they are discharged once the bankruptcy has been completed. To verify this, the first step is to get a copy of your personal credit report.
The court alerts all involved (the debtor, creditors, and legal counsel) by mailing a copy of the discharge order, or, as called by some, the discharge letter. It won't explicitly list the debts discharged in your matter, but rather the categories of debt commonly discharged in bankruptcy.
When you log into your account, you will see a month and year in the top right corner. As a general rule, this is a the approximate date as to when your Chapter 13 bankruptcy will finish.
If you filed a Chapter 13 and wish to file a second Chapter 13 you will need to wait 2 years from your previous Chapter 13 filing date to be able to get a discharge in the second case.
Your Chapter 7 bankruptcy case is closed when the court issues an order closing it. If you have no nonexempt assets for the bankruptcy trustee to sell, your case will be closed shortly after you receive your discharge noticeusually about four months after you file your petition.
Filing a Chapter 13 after a previous Chapter 13 discharge (2 years). If you had a Chapter 13 filing that ended with a discharge and you need to refile Chapter 13 again, you cannot file any sooner than two years from when your previous case was filed.
Once filed, a Chapter 7 bankruptcy typically takes about 4 - 6 months to complete. The bankruptcy discharge is granted 3 - 4 months after filing in most cases. Written by Attorney Andrea Wimmer. Most Chapter 7 bankruptcy cases take between 4 - 6 months to complete after filing the case with the court.
For many people, I would say keep it for no more than 3 - 4 years. Far more important is the list of creditors that were included in the paperwork.
Your credit score after a Chapter 13 Bankruptcy discharge will vary. Your new score will depend on how good or bad your credit score was prior to the filing of the Chapter 13 Bankruptcy. For most individuals, you can expect to see quite a dip in your overall credit score.