There will be an automatic discharge for first-time bankrupts (individuals) nine (9) months after they became bankrupt and who have surplus income of less than $200 on average per month.  Where the surplus income is greater than $200 per month, a debtor will be receive an automatic discharge after twenty one (21) months.   

Second time bankrupts will be eligible for an automatic discharge after twenty four (24) months and who have surplus income of less than $200 on average per month.  Where the surplus income is greater than $200 per month, a debtor will be receive an automatic discharge after thirty six (36) months.   

Where there has been an objection to a persons discharge by a creditor, the Trustee or the Superintendent of Bankruptcy and for individuals who have been bankrupt more than twice, a Court application to determine their discharge will be required.