How Long Does Bankruptcy Take? A Simple Guide to Chapter 7 and Chapter 13

Filing for bankruptcy can feel overwhelming, but understanding the process can make it more manageable. If you're considering bankruptcy, Dellutri Law Group has been helping people just like you for over 30 years, earning more than 1,200 five-star reviews for their trusted legal guidance.

How Long Does Bankruptcy Take?

The duration of a bankruptcy case depends on the type you file. The two most common options are Chapter 7 and Chapter 13 bankruptcy.

Chapter 7 Bankruptcy – Approximately 3 to 6 Months

Chapter 7 bankruptcy is the quickest option, designed to eliminate most unsecured debts, such as credit card balances and medical bills. Here's a general timeline:

  1. Filing the Petition – Once you file, an automatic stay goes into effect, stopping collections, lawsuits, and wage garnishments.
  2. Meeting of Creditors (341 Meeting) – About 30 days after filing, you'll attend a brief meeting where a trustee reviews your case.
  3. Debt Discharge – If no issues arise, most debts are discharged within 75-90 days after the creditor meeting, and the case is typically discharged within 5 to 6 months.

Chapter 13 Bankruptcy – 3 to 5 Years

Chapter 13 bankruptcy is a repayment plan that allows you to catch up on secured debts, like mortgage or car payments, while gradually paying off a portion of unsecured debts. The process takes longer:

  • Filing the Petition & Beginning Payments – Once filed, the automatic stay halts collections, and you start making payments based on a court-approved plan.
  • 341 Meeting – Similar to Chapter 7, this meeting occurs about a month after filing.
  • Plan Confirmation – The court holds a confirmation hearing and hopefully approves your repayment plan, which lasts between 3 to 5 years from the date of filing.
  • Final Discharge – After completing the required payments, any remaining eligible debts are discharged.

    • Considering Bankruptcy? Dellutri Law Group Can Help!

    Bankruptcy can be a powerful tool for a fresh start, but navigating the process alone can be challenging. With over 30 years of experience, Carmen Dellutri, Esq. is a Board Certified Consumer Bankruptcy Attorney (American Board of Certification), and the firm has more than 1,200 ★ ★ ★ ★ ★ reviews.
    Carmen Dellutri has helped thousands of individuals regain financial stability. If you're struggling with debt, contact Dellutri Law Group today for a free consultation. Their experienced team is ready to help you move forward with confidence.
    Call us today at 239-939-0900.