Debtors in Florida might be interested in learning more about the rules governing discharges in Chapter 13 bankruptcy. Once the repayments are completed, debtors may be able to receive a discharge as long as all obligations for domestic support have been fulfilled. In order to qualify, debtors must not have been awarded a discharge in another case within the past two years. The time restriction is extended to four years when a debtor already received a previous discharge from a Chapter 12, Chapter 11 or Chapter 7 bankruptcy case.
The discharge may not be approved until after the court establishes that there is no pending litigation or proceeding that could interfere with the homestead exemption granted to the debtor. Limited exceptions notwithstanding, the discharge is designed to absolve qualified debtors of their existing debts. Applicants are also required to participate in a financial management course that is approved by bankruptcy court.