"How Long Does Bankruptcy Take To File" Discussion

Upsolve Community Member
Willa, thanks for asking! Before filing, the process is in your control. It's up to you when you decide is the best time to file- and whether you'd like to file with Upsolve, an attorney, or independently. After filing, the process takes about 4-6 months, depending on the circumstances. 

Upsolve Community Member
You can learn more about the process here! https://upsolve.org/learn/how-long-does-chapter-7-take/

Upsolve Community Member
A Chapter 13 bankruptcy will take much longer, 3-5 years. If you're exploring your options, the Upsolve article https://upsolve.org/learn/how-long-does-chapter-13-bankruptcy-take/ might be helpful. 

Upsolve Community Member
That's a good question!

Upsolve Community Member
Before filing, when to file and how long it takes is generally up to you. As an Upsolve user, the sooner you complete the questionnaire, the sooner the generated forms will be available, generally speaking. 

Upsolve Community Member
Once you file, the process takes between 4-6 months. You can learn more here! https://upsolve.org/learn/chapter-7-bankruptcy-timeline/

Upsolve Community Member
You might also be curious to learn more about repossession! These articles are often a good place to start :)  https://upsolve.org/learn/car-repossession-101/ and https://upsolve.org/learn/should-i-file-bankruptcy-after-repo/

Upsolve Community Member
Thanks for asking! For the Upsolve questionnaire, it's up to you! It's designed to take about a week to complete the questionnaire and about 2 weeks for the form generation process, but it depends on how long you need. After filing, the process takes about 4-6 months for most "no asset" cases 

Upsolve Community Member
Hope that helps! This article might provide more information, too! https://upsolve.org/learn/chapter-7-bankruptcy-timeline/ 

Upsolve Community Member
Hi Johneisha, A Chapter 7 bankruptcy typically takes about 4 - 6 months to complete after filing. Here is an Upsolve article to give you some guidance: https://upsolve.org/learn/how-long-does-chapter-7-take/

Upsolve Community Member
This article will also help you out: https://upsolve.org/learn/steps-from-start-finish-before-file/

Upsolve Community Member
It will depend on your unique circumstances, the particular court, and the schedules of the judges and trustees. Generally, a simple Chapter 7 could be finished in 4-6 months. A Chapter 13 could take 3-5 years. This Upsolve article has more information: https://upsolve.org/learn/how-long-does-chapter-7-take/. 

Upsolve Community Member
That's all after you get the paperwork ready- when you're working on the Upsolve questionnaire, you're in control of how long it takes. If you're in a rush to file, the sooner you complete the questionnaire generally means the sooner the forms will be ready! 

Upsolve Community Member
It's generally designed to take a week, but how long each person takes depends on their circumstances and it's up to you. 

Upsolve Community Member
Hi Celeta, thanks for asking! This article has information about the timeline for a Chapter 7 bankruptcy: https://upsolve.org/learn/how-long-does-chapter-7-take/

Upsolve Community Member
And you can learn more about garnishment here! https://upsolve.org/learn/when-wage-garnishment-stop-after-file/