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How Long Does Bankruptcy Take?

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.

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.

  • Over 1 million businesses and individuals file for bankruptcy each year.

  • Most often, events beyond your control are responsible, including medical expenses, reduced income, job loss, and foreclosure.

  • Regardless of your circumstances, you need an experienced hand to help you in setting things right again.

Contact Us

Relief is closer than you think!

For more information on debt relief, the other services we offer, or on what sets us apart from your average firm, please - call us today!

877-827-9006

209 West Patriot Street
Somerset, PA 15501

3115 N. Front Street
Harrisburg, PA 17110

Debt Relief from Pennsylvania Bankruptcy Attorneys

We serve clients throughout all of Pennsylvania with Bankruptcy, Debt Negotiation, Mortgage Foreclosure Defense, Divorce, and Estate Planning. Though we have two offices, no travel is necessary.

We service Pennsylvania clients from Pittsburgh, Harrisburg, Philadelphia, Altoona, Bedford, Blairsville, Connellsville, Cranberry, Ebensburg, Greensburg, Huntingdon, Johnstown, Indiana, Lancaster, Monroeville, New Kensington, State College, Somerset, Uniontown, Washington, Wexford and throughout the state.

This website is intended to provide general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.