Section 727 (Chapter 7 Discharge)
Section 727: court grants Ch. 7 discharge UNLESS grounds exist. Denial grounds: concealment, falsified records, fraudulent transfer (1 year), unexplained loss, refusing court orders, prior discharge (8 years Ch. 7, 6 years Ch. 13). Adversary: 60 days from 341. Preponderance standard. Denial = ALL debts survive. vs. Section 523: specific debts excepted, rest discharged. Section 727 is total.
Denial Grounds
- Concealment, falsified records
- Fraudulent transfer (1 year)
- Prior discharge (8/6 years)
Process
- Adversary within 60 days of 341
- Preponderance standard
- ALL debts survive if denied
vs. Section 523
- 727: entire discharge denied
- 523: specific debts excepted
- 727 is more severe
Related Terms
- Bankruptcy — Debt relief
Barnes Walker Bankruptcy
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Reviewed by the attorneys at Barnes Walker, Goethe, Shea & Robinson, PLLC