After all payments that are required to be paid in accordance with the confirmed chapter 13 plan, the trustee will send out a letter stating the plan is complete. No more payments should be made thereafter and if the payments are being automatically deducted from an employee's wages, the employer should be provided a copy of the trustee's letter.
After all outstanding checks to creditors have cleared the trustee will file a final report and account with the court. The filing of the final report will prompt the court to initiate the discharge process. The debtor will need to have taken the financial management course and file a certification in support of discharge. If the debtor is entitled to a discharge, the discharge will be sent directly from the Bankruptcy Court usually within 120 days.