United States · Federal bankruptcy
When must a creditor file a section 523(c) dischargeability complaint?
Except for Rule 4007(d), a complaint under section 523(c) must normally be filed within 60 days after the first date set for the section 341(a) meeting of creditors.
- Period
- 60 calendar days
- Trigger
- First date set for the section 341(a) meeting of creditors
- Rule
- FRBP 4007(c)
December 1, 2025 compilation
Free calculator · No account needed
Calculate your deadline
Loading calculator…
What lawyers say
5.0“The platform is really easy to use.”
Michael B.Employment litigation attorney · California
“The Evidence Record saved us time with our insurance on bankruptcy matters.”
MariaBankruptcy and commercial attorney · London, UK
“The most up-to-date service we could find.”
Li ChenArbitration practitioner · Singapore
Which date starts this period?
Rule 4007(c) names the first date set for the meeting of creditors. A later continuation or conclusion does not replace that event.
First establish whether the proposed complaint falls within section 523(c). Rule 4007(b) treats complaints outside that section differently.
Rule 4007(d) concerns a Chapter 13 hardship-discharge motion and a section 523(a)(6) complaint. The court sets that filing time instead of this preset.
FRBP 4007(c)How is the 60-day period counted?
- Use the first scheduled meeting date. First confirm that the complaint falls within section 523(c) and Rule 4007(c).
- Exclude that day.
- Count 60 calendar days.
- A final Saturday, Sunday or legal holiday carries the period to the next day that is not. State holidays and clerk inaccessibility require separate checks.
Count 60 calendar days after the first date set, using Rule 9006(a) for the final day. An extension under Rule 4007(c) requires a timely motion and court action.
Rule 9006(a)What does a worked calculation look like?
Fictitious example
A complaint falls within section 523(c), with the first meeting date set for August 3 and no extension. Exclude August 3. August 4 through August 31 supplies 28 days, September supplies 30, and October 1 through October 2 supplies two. The total is 60.
| Step | What is counted | Date |
|---|---|---|
| Trigger | First date set for the section 341(a) meeting of creditors | August 3, 2026 |
| Count | 60 calendar days after the trigger | October 2, 2026 |
Fictitious dates. No additional state holiday, closure or case order is assumed.
Try these dates in the calculatorCan an exception or order change the deadline?
- Complaint outside section 523(c)
- Under Rule 4007(b), a complaint other than one under section 523(c) may be filed at any time. This page does not compute that route.
- Extension
- A party in interest must move before the Rule 4007(c) period expires. The court may extend for cause after notice and a hearing.
- Chapter 13 hardship discharge
- When the debtor seeks discharge under section 1328(b), Rule 4007(d) requires the court to set the section 523(a)(6) complaint deadline and the clerk to give at least 30 days’ notice.
- The calculator applies the stated ordinary period. It does not infer a court order or choose the applicable procedural branch.
What should I check before filing?
Common questions
The procedure and starting event
Does every dischargeability complaint have this 60-day limit?
No. Rule 4007(b) permits complaints outside section 523(c) at any time. This preset covers Rule 4007(c), subject to its paragraph (d) exception.
Rule 4007(b) and (c)What if the meeting is continued?
Rule 4007(c) uses the first date set for the meeting. Do not substitute a later continued date or the meeting’s conclusion.
Rule 4007(c)Does this replace an objection to discharge?
A Rule 4004 objection to discharge is a different procedure. This Rule 4007 page concerns dischargeability of a particular debt.
Rules 4004 and 4007Exceptions and filing
Can I seek an extension after this period expires?
The Rule 4007(c) extension motion must be filed before expiry. The ordinary preset does not infer an extension or apply an unentered request.
Rule 4007(c)What changes for a Chapter 13 hardship-discharge motion?
Rule 4007(d) requires the court to set the time for the section 523(a)(6) complaint. Use the actual court timetable rather than these automatic 60 days.
Rule 4007(d)How much notice must creditors receive?
For Rule 4007(c), the clerk must give all creditors at least 30 days’ notice of the time to file under Rule 2002. That notice requirement is separate from the 60-day trigger.
Rule 4007(c)Do intermediate weekends and holidays count?
Rule 9006(a)(1)(B) counts every intermediate day, including weekends and legal holidays. Its final-day treatment is a separate step.
Rule 9006(a)What if the clerk’s office is inaccessible on the last day?
Unless the court orders otherwise, Rule 9006(a)(3)(A) extends a filing due that day to the first accessible day that is not a Saturday, Sunday or legal holiday.
Rule 9006(a)(3), (4) and (6)Official sources and review
Provisions used (4)
| Provision | Purpose |
|---|---|
| Rule 4007(a)-(c) | Who may complain, section 523(c) scope and ordinary deadline |
| Rule 4007(c)-(e) | Extension motions, hardship discharge and Part VII procedure |
| Rule 9006(a) | Calendar-day computation and final-day treatment |
| Rule 9006(a)(3), (4) and (6) | Clerk inaccessibility, filing cutoff and applicable legal holidays |