While not typical, a creditor can object to having a debt discharged in Chapter 7 bankruptcy. One example of why a creditor might object is if you misled it when you applied for credit by, for example, misstating your income.
Under Federal Rule of Bankruptcy Procedure 4004(a), a creditor “[i]n a chapter 7 case, a complaint, or a motion under § 727(a)(8) or (a)(9) of the Code, objecting to the debtor’s discharge shall be filed no later than 60 days after the first date set for the meeting of creditors under § 341(a).”
So, if the creditor doesn’t file its objection within 60 days from the meeting of creditors it may be barred from objecting. However, it can ask the court for an extension to file an objection.