It takes nine months for an “Absolute” discharge. The conditions for an “Absolute” discharge include:
· You must be in your first bankruptcy (24 months for your second bankruptcy)
· You must have attended two counseling sessions
· No income portions payments are needed
· The discharge is not opposed by any creditor
If it’s a second bankruptcy the time for eligibility for an automatic discharge is 24 months. As long as no extra income is needed (surplus income), and no creditor challenges the discharge will occur in 24 months. Having surplus income will typically increase the time to absolute discharge up to 36 months.