Here is what to expect at each stage of the bankruptcy process.
| Step | Timing | Details |
|---|---|---|
| Credit counseling | Before filing | Must be completed within 180 days before filing ($15-25) |
| File petition | Day 0 | Automatic stay takes effect immediately |
| 341 meeting | ~30 days | Brief meeting with trustee (5-10 minutes) |
| Objection deadline | ~60 days after 341 | Creditors and trustee may object to discharge |
| Debtor education | Before discharge | Second required course ($10-25) |
| Discharge | ~90-120 days | Court order eliminating qualifying debts |
| Case closed | ~120-150 days | Final administrative closure |
| Step | Timing | Details |
|---|---|---|
| Credit counseling | Before filing | Same as Chapter 7 |
| File petition + plan | Day 0 | Automatic stay takes effect; first plan payment within 30 days |
| 341 meeting | ~30 days | Trustee reviews plan feasibility |
| Confirmation hearing | ~60-75 days | Court approves or modifies your plan |
| Plan payments | 3-5 years | Monthly payments to the Chapter 13 trustee |
| Debtor education | Before discharge | Second required course |
| Discharge | After plan completion | Remaining qualifying debts eliminated |
Chapter 7 cannot be shortened significantly. Chapter 13 plans for below-median-income filers can be as short as 3 years.
Trustee objections, creditor disputes, or missing documents can delay the process. Providing complete, accurate information upfront minimizes delays.