What is the timeline for a Chapter 13 bankruptcy?

The process of a Chapter 13 can take anywhere from 3 to 5 years to complete after the initial filing of your bankruptcy petition. How quickly you can file your bankruptcy after your initial appointment with us is entirely up to you and your individual situation. The steps to filing a bankruptcy and receiving a discharge are as follows:

1. Schedule an initial appointment with one of the attorneys at our office.
2. Sit down with our experienced attorneys to determine the right course of action for you.
3. Gather necessary documentation and information for the bankruptcy filing.
4. Schedule your bankruptcy signing date.
5. Come into our office to go over and sign the paperwork to file your bankruptcy petition.
6. Roughly 30 days later – Meeting of Creditors or 341 Hearing where the judge will ask you simple questions to approve your bankruptcy petition.
7. For 3-5 years – You will make monthly payments to the trustee to work on paying off your creditors as part of a payment plan.
8. Once the plan is complete – You will receive your bankruptcy discharge and any outstanding non-priority debt will be wiped away and your fresh start begins!