Since personal bankruptcy is a strategy for debtors to clear their debt, there is often a sense of disbelief that it is possible. After all the stress and worry that comes with accumulating debt and being unable to pay it, it can be difficult to envision Chapter 7 clearing the debt. Pennsylvania residents who are considering Chapter 7 should be aware of the possibility that the discharge could face an objection and work to mitigate that possibility.
While a discharge is likely in most cases with Chapter 7 bankruptcy, the debtor does not automatically get it. It is possible for there to be an objection from the creditor, the case trustee, or the U.S. trustee. The creditors will be notified that there is a Chapter 7 shortly after the filing. With all the information related to the filing, there will be a deadline to object. For an objection, a complaint must be filed in the bankruptcy court prior to that deadline. This will be an adversary proceeding.