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A Chapter 7 bankruptcy case is scheduled for discharge 60 days after the completion of the 341 meeting. Generally, bankruptcy courts have a large number of cases, and you may not receive the actual discharge for a few days or a few weeks.
If you: 1  Declared Chapter 7 bankruptcy, you usually must wait two years from the date of discharge before qualifying. 2  Lost a home through foreclosure, you must wait three years. 3  Are delinquent on a federal debt, such as a student loan or income taxes, you can't get an FHA loan.