Any individual who has found themselves filing for bankruptcy in Alberta, Nunavut, or Northwest Territories will normally be discharged 9 months after filing for bankruptcy for a first time bankrupt and 24 months after filing bankruptcy for a second time bankrupt, if the bankrupts income falls below the Superintendents’ Guidelines. The discharge will be automatic unless the bankrupt does not live up to his or her obligations or fails to perform the duties imposed upon him or her by the Bankruptcy & Insolvency Act or if a creditor objects to the discharge.
The bankrupt’s discharge can be denied for outstanding duties or a creditor can object to the bankrupt’s discharge, depending on the circumstances surrounding the origin of the debt. Third time or subsequent bankrupts are not eligible for an automatic discharge and the Trustee must apply to Court to obtain the bankrupt’s discharge.