A: If it is your first bankruptcy, your trustee will usually request an absolute discharge from the registrar after 9 months. If your discharge is absolute, the process is over. If you have a large wage, the court can extend your discharge to 21 months. Your creditors, the superintendent, or your trustee can object to your absolute discharge. If there is an objection, a court hearing or mediation will be scheduled.
You may be discharge conditionally. If this happens, you will be ordered to pay back a certain percentage of your debt before being finally discharged. Generally speaking, you are more likely to be discharged sooner and without conditions if you are cooperative during your assignment. If you are uncooperative, you can expect to stay in bankruptcy for a longer period of time. The registrar will also consider the type of debts that you have accrued; for example, the registrar may be harsher on you if you have income tax debt. The registrar will also consider your financial situation after the bankruptcy (e.g. if you have a healthy income, you may have to continue to pay your creditors). The registrar could refuse your application for a discharge if you have been especially uncooperative; if this occurs, you will need to reapply after some time has passed.
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