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Bankruptcy: How Long Does It Take?

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How Long Does the Bankruptcy Process Take?

If you are in a financial crisis, getting creditors off your back and finding debt relief may be a high priority. So how long does a bankruptcy filing take? While this is often a concern since you are feeling the sting of your current situation, there are no absolute answers to this question. The length of time it will take to discharge your debt obligations through bankruptcy will vary greatly depending on the specifics of your financial situation, the amount of debt you have and the type of bankruptcy you are seeking.

A Chapter 7 bankruptcy filing may be completed in three to seven months. A Chapter 13 filing can take anywhere from 24-60 months to complete depending on the amount of your debt and the repayment plan that is established.

The good news is that once a bankruptcy is filed it typically puts an end to the aggressive collection attempts you may be experiencing and some relief will be experienced even if the process is not completely finished. The immediate protection from collections and harassment begins once a bankruptcy is filed in court and will last throughout the process, whether it takes 3 months or 5 years. This can provide peace of mind in the midst of the process for many people.


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Consumer Education Services, Inc. (CESI) is a non-profit service provider of comprehensive personal financial education and solutions for all life stages and for all of life’s milestones. Our goal is enhanced economic security for everyone we serve.


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