The Chapter 7 Bankruptcy Process and Discharge Timeline

Learn about the typical steps in a Chapter 7 bankruptcy.

By , Attorney UC Law San Francisco
Chapter 7 bankruptcy is a very straightforward process. It typically consists of six steps.

Steps in the Chapter 7 Bankruptcy Process

  • Step 1: Before filing, complete a mandatory credit-counseling course by phone or online.

  • Step 2: File the official bankruptcy forms (fillable forms are available online) listing all your property and creditors and providing information about your financial transactions during the previous two years.

  • Step 3: Mail the bankruptcy trustee, who handles the case for the court, a copy of your most recently filed income tax return, plus any other documents the trustee asks for.

  • Step 4: About 30 days after you file, attend a creditors' meeting, usually the only personal appearance you'll have to make. The creditors' meeting occurs in a small hearing room and is conducted by the trustee. Creditors seldom appear. At this meeting, you are required to answer (under oath) any questions the trustee has about the information in your papers, or provide other information the trustee thinks is relevant. A typical meeting lasts five minutes or less. You are not required to have a lawyer represent you at this meeting—you will have to answer the trustee's questions directly, whether or not you have a lawyer with you.

  • Step 5: No later than 60 days after the creditors' meeting, you must attend mandatory budget counseling (by phone or online) and file a simple form telling the court that you have completed it along with a certificate of completion from the counseling agency.

  • Step 6: Remain in a holding pattern (don't operate a busi­ness with inventory or sell or give away any property without the trustee's permission) until the court sends you a written discharge of your debts. That will come about 60 to 75 days after the creditors' meeting. During that period, creditors can, but seldom do, object to your getting rid of a debt. The trustee arranges for you to turn over nonexempt property, if you have any, but most people who file for Chapter 7 bankruptcy don't have any nonexempt assets.

The Chapter 7 Bankruptcy Discharge Timeline

Before you file

Mandatory credit counseling

Filing date

Papers filed to start the bankruptcy

About a month after you file

Creditors' meeting held

Up to 60 days after the creditors' meeting

Mandatory budget counseling

60 days after the creditors' meeting

Court sends written discharge of your debts
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