How long does a bankruptcy case take? 

Whether a case is a Chapter 7 or Chapter 13, the basic steps in the process are the same.  Generally, a Chapter 7 bankruptcy case will take approximately 4 to 6 months from the date when the case is filed until the case is closed.  A Chapter 13 case will typically last 36 to 60 months from the date of filing.

The sequence of events in a typical Chapter 7 case include the following:

  • Consultation.
  • Information collection.
  • Bankruptcy documents prepared.
  • Client completes the first consumer credit counseling course.
  • Bankruptcy documents reviewed by clients and attorney.
  • Case filed.
  • Meeting scheduled with Trustee approximately 20 days after case is filed and Clerk's Office mails the notice of the meeting of creditors.
  • Client and attorney attend meeting of creditors together.
  • Client completes the second consumer credit counseling course.
  • Creditors have 60 days after the meeting of creditors to raise objections regarding the bankruptcy case if they choose.
  • Approximately 90 days after the meeting of creditors the Clerk's Office will mail the discharge order demonstrating the termination of any personal liability on the debts included within the bankruptcy documents.
  • Approximately 14 days after the discharge order is issued, then the Clerk's Office will mail the final decree that signals the end of the bankruptcy case.

Call an experienced bankruptcy attorney to discuss what's best for you

We know your pain because we've been there. Our founder had to deal with the overwhelming consequences of bankruptcy and climb his way back to financial freedom - we're here to help you do the same.

Don't forget that we offer a free consultation! Contact us online or call us at 877-827-9006 to discuss how exemptions can help you protect your property in a bankruptcy case . You always have a friend to turn to at Harold Shepley & Associates, and we're waiting to hear from you. Call today, there is always hope.

Harold Shepley
& Associates, LLC


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