The Timeline of a Chapter 7 Bankruptcy Case

Introduction

If you’re considering Chapter 7 bankruptcy, one of your biggest questions is likely: “How long will this take?” The good news is that Chapter 7 is typically the fastest bankruptcy option, often taking just a few months. Here’s what you can expect from start to finish.

Step 1: Initial Consultation (Week 1)

Your journey begins with a consultation with a bankruptcy attorney. During this meeting, you’ll review your debts, income, and assets to confirm that Chapter 7 is the best option.

Step 2: Credit Counseling (Week 1–2)

Before filing, you must complete a court-approved credit counseling course, which usually takes about 60–90 minutes online. This certificate is required for filing.

Step 3: Filing the Bankruptcy Petition (Week 2–3)

Once your paperwork is ready, your attorney files your petition with the court. At this point, the automatic stay goes into effect, immediately stopping collections, lawsuits, and wage garnishments.

Step 4: Trustee Appointment & Case Review (Week 3–5)

A bankruptcy trustee is assigned to review your case and verify the accuracy of your documents. They’ll look at your income, assets, and recent transactions.

Step 5: Meeting of Creditors (Week 5–7)

Also know as the 341 Meeting, this is a brief meeting with the trustee. Creditors rarely attend, but they can. Your attorney will prepare you and attend with you.

Step 6: Waiting Period & Discharge (Month 3–4)

If there are no objections, the court will issue a discharge order, eliminating your qualifying debts. This typically occurs about 60 days after the 341 Meeting.

Step 7: Case Closed (Month 4–6)

After the discharge, the case is closed, and you’re officially debt-free from eligible obligations.

Total Timeline Most Chapter 7

cases in Maryland take about 4–6 months from filing to discharge, making it one of the quickest ways to get financial relief.

Tips for Staying on Track

• Respond promptly to any trustee requests.

• Complete your required debtor education course after filing.

• Avoid new debt or large purchases during the process.

Conclusion & Call-to-Action

Chapter 7 bankruptcy offers a fast, effective solution for overwhelming debt. Understanding the timeline helps you prepare and reduce stress throughout the process.

Ready to start your fresh financial chapter? Contact Middleton Legal today for a free consultation and expert guidance.