A call came into the office today asking this question. So when does a bankruptcy case get finished? Unfortunately, a discharge of debt does not close a bankruptcy case. Before your case is closed, a Trustee must liquidate non-exempt assets to pay your creditors and see all other legal matters resolved. This process can take years in complex cases.
After you have resolved the legal conflicts associated with your debt, your case will be closed with a Final Decree. Whether it takes three months or several years, the Final Decree ensures that, except in the event that your case is reopened, you are no longer obligated to pay your debt. Every case is different so speaking with an experienced attorney is the best answer to your specific situation.