Chapter 7 Timeline

When making the decision on if you need to file a Chapter 7 or a Chapter 13 Bankruptcy it is important to know the timeline you are looking at. Chapter 7 Bankruptcy goes by a lot quicker than a Chapter 13. Several factors fall into place when determining between the two. One of which is the length of time a Chapter 7 Bankruptcy takes.

With these eight steps you can determine the approximate time frame it could take you, if you need to file for Chapter 7 Bankruptcy. Keep in mind this is a general outline.

In your first 90 days we will collect all the necessary paperwork that your attorney requested and submit it in one large packet. During this time you will need to complete your credit counseling class.

Watch for a letter from the bankruptcy court one week after your bankruptcy has been filed. This letter will outline the hearing, time and location, as well as specify a list of documents that you must submit to the trustee at least 14 days prior to your hearing.

Four weeks after filing you will need to attend a Chapter 7, 341 hearing. This is an informal meeting before your bankruptcy trustee in which you will be asked questions regarding your case.

Within three months of filing, creditors can object to your Chapter 7 bankruptcy discharge.

Within 45 days of your 341 hearing any reaffirmation agreements must be signed and filed with the bankruptcy court.

Between four and six months after your hearing you will receive your bankruptcy discharge.

A normal Chapter 7 bankruptcy can take between four and six months. The speed is determined by you. If you are able to get all documents in at a prompt pace, your case can be filed. This will allow you to get the fresh start you need.

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