For a Chapter 7 case, typically it is only 90 days from the date you file until the day you receive your discharge. The timeline of events with a chapter 7 is as follows, your case is filed and then about 4 to 6 weeks later you will attend the 341 hearing, then 60 days after that your case will be discharged. The final piece to the chapter 7 is your case closing. How long your case will take to close depends on if you had funds to be distributed or not. If there were no funds to distribute, usually cases will close within a month or so from your discharge date. If there were funds to distribute case closing can take longer.
For a Chapter 13 case, it will be no less than 3 years and no more than 5 years for you to receive your discharge. During your Chapter 13 case you will have your 341 hearing 4 to 6 weeks after you file. After that there will be a confirmation hearing, where your Chapter 13 plan will be confirmed by the court. Typically you will not need to attend this hearing. From confirmation on, you will continue making your plan payments each month. If you ever need to modify your plan there could be other hearings to confirm your modification.
Whenever you are ready to move forward with a bankruptcy case, visit www.lifebacklaw.com to speak with an attorney today. You will be glad you did!