{"id":2025,"date":"2011-05-31T11:01:15","date_gmt":"2011-05-31T16:01:15","guid":{"rendered":"https:\/\/nybankruptcy.net\/main\/?p=2025"},"modified":"2018-11-27T07:48:58","modified_gmt":"2018-11-27T07:48:58","slug":"how-does-a-new-york-bankruptcy-case-end","status":"publish","type":"post","link":"https:\/\/nybankruptcy.net\/main\/how-does-a-new-york-bankruptcy-case-end\/","title":{"rendered":"How does a New York bankruptcy case end?"},"content":{"rendered":"<p>You may know how a New York bankruptcy case begins.\u00a0 (Your lawyer e-files your case with the court.)\u00a0 But what&#8217;s the event that signals the end of a bankruptcy case?<\/p>\n<p>There are actually several ways a bankruptcy case can end.<\/p>\n<ul>\n<li><strong><span style=\"text-decoration: underline;\">Discharge:<\/span><\/strong> For Chapter 7 or Chapter 13 bankruptcy, discharge is the most common outcome.\u00a0 And of course it&#8217;s the goal of most bankruptcy filers.\u00a0 If the court grants your discharge, then it means you have been relieved from some or all of your debt obligations going forward and creditors are no longer allowed to try and collect on those debts.<\/li>\n<\/ul>\n<ul>\n<li><strong><span style=\"text-decoration: underline;\">Dismissal:<\/span><\/strong> A dismissal is an action the bankruptcy judge takes to end the case because there&#8217;s something wrong with the case either substantively or procedurally.\u00a0 Dismissals are usually for failure to file schedules, do the required credit counseling, or appear at the 341 meeting.\u00a0 In a chapter 13 bankruptcy the trustee might move for dismissal if the debtor fails to make payments.\u00a0 Dismissals occur much less frequently than discharges, but they do happen.\n<ul>\n<li>It&#8217;s worth noting that fraud does not lead to dismissal but typically results in denial of discharge. This is an important distinction because if your discharge is denied and you file again in the future, you cannot discharge the debts in that were listed in the prior case.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li><strong><span style=\"text-decoration: underline;\">Voluntary Dismissal:<\/span><\/strong> This is when the debtor decides to terminate his or her own case for one reason or another.\u00a0 A debtor has the absolute right to voluntarily dismiss a chapter 13, but not a chapter 7. Courts will rarely dismiss a 7 after assets have been discovered.\u00a0 There is also dismissal under 707 for abuse, usually too much income to file a 7.\u00a0 A\u00a0 common scenario in a chapter 13 bankruptcy might be where a debtor gets laid off and loses their salary in the middle of the 3 to 5 year repayment plan.\u00a0 If the debtor can no longer make payments as part of their repayment plan, then they might voluntarily dismiss their case.<\/li>\n<\/ul>\n<ul>\n<li><strong><span style=\"text-decoration: underline;\">Conversion:<\/span><\/strong> A conversion refers to shifting from, e.g., Chapter 13 to Chapter 7.\u00a0 If you start out filing Chapter 13 and then realize you can&#8217;t make the payments at some point along the way, you might ask the judge to convert your case to a Chapter 7 bankruptcy.\u00a0 The conversion, if granted, marks the end of the Chapter 13 process for the debtor, though the case continues.\u00a0 This distinction is important because with a few exceptions, assets are determined as of the original filing date.<\/li>\n<\/ul>\n<ul>\n<li><strong><span style=\"text-decoration: underline;\">Closure of Case without Discharge:<\/span><\/strong> This happens if you fail to file the debtor education certificate obtained by taking the required post-discharge debtor education course.<\/li>\n<\/ul>\n<p>Fore more questions about New York bankruptcy, please feel free to <a href=\"\/contact\">contact<\/a> experienced <a href=\"https:\/\/nybankruptcy.net\/main\/brooklyn-bankruptcy-law-firm\/bankruptcy-trustee-actions\/\" target=\"_blank\" rel=\"noopener\">Bankruptcy Trustee<\/a> Bruce Weiner for a free initial consultation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You may know how a New York bankruptcy case begins.\u00a0 (Your lawyer e-files your case with the court.)\u00a0 But what&#8217;s the event that signals the end of a bankruptcy case? There are actually several ways a bankruptcy case can end. Discharge: For Chapter 7 or Chapter 13 bankruptcy, discharge is the most common outcome.\u00a0 And &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/nybankruptcy.net\/main\/how-does-a-new-york-bankruptcy-case-end\/\"> <span class=\"screen-reader-text\">How does a New York bankruptcy case end?<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":""},"categories":[16,26,22,7],"tags":[2,21,29,30,169,47,170,171,32,54,51,52,35],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How does a New York bankruptcy case end?<\/title>\n<meta name=\"description\" content=\"You may know how 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