Quick Answer
Chapter 7: 3-4 months from filing to discharge.
Chapter 13: 3-5 years from filing to discharge (plan completion required).
These are typical timelines for straightforward cases. Complications can extend either one.
Chapter 7 Detailed Timeline
Preparation: 1-4 weeks (credit counseling, document gathering, attorney consultation). Filing to 341 meeting: 20-40 days. 341 meeting to discharge: 60-90 days. Total: approximately 3-4 months from filing.
Delays can occur if: the trustee requests additional documents, a creditor files an objection, an adversary proceeding is initiated, or you haven't completed the financial management course.
Chapter 13 Detailed Timeline
Preparation: 2-6 weeks (credit counseling, plan drafting). Filing to plan confirmation: 2-6 months. Plan duration: 36 months (below median) or 60 months (above median). Discharge: after final plan payment and financial management course. Total: 3-5.5 years from filing.
The plan can be modified during its term if your circumstances change (job loss, raise, medical emergency). Modifications require court approval and can add time.
Factors That Speed Things Up
Complete and accurate paperwork filed on time. All required documents provided to trustee early. 341 meeting attended without rescheduling. Financial management course completed promptly. No creditor objections or adversary proceedings.
Factors That Slow Things Down
Missing or incomplete documents. Trustee requests for additional information. Creditor objections to discharge or dischargeability. Adversary proceedings (separate lawsuits within the case). Asset cases requiring liquidation. Tax refund issues. Plan modifications in Chapter 13.
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Last updated: April 2026. Not legal advice.
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