Typical Chapter 7 bankruptcy Timeline

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Let's see what's going on with your life and finances and what options you have. We'll explore Chapter 7 Bankruptcy, Chapter 13 Bankruptcy , and non-bankruptcy options such as debt-settlement or budget restructuring. 

If we agree Chapter 7 Bankruptcy is right for you, we can get the case started immediately. We offer low fees and easy payment plans.

Unless there is some legitimate reason for delaying the filing of your chapter 7 bankruptcy case, usually the sooner we file, the better. We will pull your credit report from Experian, Equifax, and Transunion,  perform a public records search, and give you a link to a checklist of items and a bankruptcy questionnaire that provides us with the information we need to prepare your case for review.  We will also provide you with a link to complete your online Consumer Credit Counseling class, which is required to file bankruptcy.

Once we have completely prepared your chapter 7 bankruptcy case with the information you provided, we'll review your case in detail and make sure we're both satisfied that its ready to file.

After your case is filed, you will receive a Notice of Commencement of Chapter 7 Bankruptcy in the mail from the United States Bankruptcy Court giving you the date and time of your 341 Meeting of Creditors. You'll get at least 30 days notice of your bankruptcy meeting.

The Bankruptcy Meeting of Creditors historically took place in a meeting room at the US Bankruptcy Court in the District where you reside. Since Coronavirus, meetings continue to take place telephonically, or by Zoom.

At your meeting, a court-appointed trustee will ask you a few questions under oath about the accuracy of your bankruptcy documents that were filed with the court.

For most debtors, all you have to do next is wait for Discharge. If the trustee needs additional information, your hearing may be continued to another date, which may be canceled if the trustee is satisfied with your submission. 

Add an answAfter the conclusion of your 341 Meeting, creditors have 60 days to object, provided they have legitimate grounds. Creditors rarely object in our cases since we screen for possible objections prior to filing. About two to four weeks after the creditor objection deadline, the court will enter your discharge.

It has now been about three and a half to four months since you filed bankruptcy, and you will begin to discover life after debt.