The time limits under the new Act that are applicable to bankruptcies filed after September 18, 2009 are as follows: 1) 1st bankruptcy (automatic discharge in the absence of opposition)     •    No surplus income* = 9 months     •    With surplus income* = 21 months 2) 2nd bankruptcy (automatic discharge in the absence of opposition)     •    No surplus income* = 24 months     •    With surplus income* = 36 months 3) 3rd bankruptcy or more, 12 months after the date of bankruptcy     •    Mandatory Court hearing in the 12th month     •    It is possible that the Court extends the bankruptcy 4) Bankruptcies with significant tax debts ($ 200,000 or more representing at least 75% of total debt)     •    Mandatory Court hearing     •    Varying Conditions of release shall be imposed by the Court according to the circumstances in each case. The new Act provides that if you have surplus income at any time during your bankruptcy, the duration of your bankruptcy will be extended by the number of months mentioned above. For example, it may be that at the time when you go into bankruptcy, the expected duration may be 9 months (for a first bankruptcy without surplus income) or 24 months for a second bankruptcy, but that during your bankruptcy, following an increase in salary, a bonus or a change in your family situation, the average of your income becomes surplus income. In this event, your bankruptcy would then be extended for the time mentioned above, or for a further twelve months for a total of 21 months. Conversely, if you started your bankruptcy with surplus income and then your income diminished during the first 6 months, or the first 21 months for a second bankruptcy, so that you no longer have surplus income, the duration of your bankruptcy will be reduced from 21 months to 9 months (for a first) and from 36 months to 24 months (for a second). Finally, note that the trustee has the obligation to require that you show proof of your income once at the beginning of your application and again two months before your release.