For those people who have not been bankrupt before, an automatic discharge will take place after nine months or twenty one months if you have surplus income according to the guidelines for Bankruptcy. You won’t be discharged if the creditors, Superintendent of Bankruptcy, or trustee have opposed your discharge, or if you have not received two counseling sessions. Occasionally, creditors do object and the matter goes to court to be heard before a Registrar or a Judge.
In the event that you have been bankrupt before, your discharge will be automatic in 24 months, or 36 months if you have surplus income according to the guidelines for Bankruptcy. You must again attend two counseling sessions in order to obtain the automatic discharge.