"When I filed for bankruptcy several years ago I recieved a copy of the discharge, after about six months after the final proceedings in front of the magistrate for the bankruptcy court hearing. Along with this was the decision recorded that I signed the day of the proceedings the documentation of not securing a couple of loans that I had. Being my car and my house. I have since paid
. off my vehicle loan, I have never changed the status of my house. This is a document that allows me to remain in my home while paying the mortgage payments on time, and keeping up the taxes to the state on my home. If for any reason I cannot pay my loan they can take my house. I would not be responsible for any more payments at that time. I would take my things and leave the premises. They cannot come back on me for any late payments. I just walk away free and clear. So once you go through court and sign before the judge that is assigned to you there is that period of time to make sure your creditors have ample time to answer and submit for payments from your estate. At the time the creditors are satisfied you will recieve the discharge paper."
