Is it possible to be denied a discharge?


Yes.  A debtor will be denied a discharge if the Court determines that he or she has committed any of the following acts:

  1. The debtor has transferred, destroyed, or concealed property within one (1) year prior to filing bankruptcy or at any time after filing bankruptcy.
  2. The debtor conceals, destroys, falsifies, or fails to keep books, records and documentation related to the individual’s financial condition and business transactions without justification.
  3. The debtor, in the course of the bankruptcy proceeding, knowingly and fraudulently:
    • makes a false oath, claim or account (i.e., a misstatement about property, debts, or financial affairs);
    • gives or receives money for taking certain action or agreeing not to take certain action; or
    • withholds books, records, documents or other records from the Bankruptcy Court;
  4. The debtor fails to explain satisfactorily any loss or deficiency of assets to meet the individual’s liabilities; and
  5. The debtor refuses to obey an Order of the Bankruptcy Court or answer a material question in connection with the proceedings.