How long after filing for bankruptcy will my debts be discharged? 23 Answers as of March 05, 2012

You are about to commit financial and legal suicide. Do not ruin your life and file pro se. Exemptions and keeping (or losing) vehicles is something that you will mess up without legal help. Save yourself from disaster. Abandon your pro se plans, and get a lawyer. It will save you money. Your lawyer will determine timing to resolve your problems.

The automatic stay will become effective immediately upon filing the petition. However, your debts will not be discharged until approximately 90 days later.

The discharge will come approximately 3 months after you file your bankruptcy (assuming you file a Chapter 7, which is what it sounds like you're talking about. However, you come under the protection of the bankruptcy laws the second you file your bankruptcy. As soon as you file, your creditors are notified and informed they may not contact you.

If all goes well, in a Chapter 7, you will receive your discharge in about 90 days after filing. In a Chapter 13, it will be at the completion of plan payments.

You get immediate relief. See a lawyer.

Most Chapter 7 cases result in a discharge in three months after filing.

The automatic stay which stops debt collectors and creditors from collecting on you takes place immediately upon filing the bankruptcy. It may take two or three months before you actually receive a discharge which actually delete your debt. You should be aware that if you do not file appropriately or if you mistakenly file certain schedules incompletely you may not get a discharge. You would be well advised to hire an experienced bankruptcy attorney. Furthermore filing a bankruptcy will stop all foreclosure proceedings for the pendency of the bankruptcy it will stop garnishments and it will stop all other legal cases against you.

A bankruptcy discharge is ordinarily entered about 4 months after the case is filed.

In chapter 7 the Discharge is entered approximately 4.5 months after the bankruptcy is filed. In a 13 it depends on the length of the Plan.

The date you file for Bankruptcy protection will start a "Stay of Execution." This means that your creditors can't collect in any way during the pendency of the bankruptcy proceeding. However, with regard to your house, they may make a Motion to Avoid the Stay. It depends upon the status of your loan. After the Meeting of Creditors, which is 6 to 8 weeks after filing, the debts will be discharged in 60 days unless there is a valid objection filed. You should seek counsel to answer this question in detail.

The automatic stay goes into effect as soon as the case is filed. It is important to hire an attorney that know how to give these creditors immediate notice.

Discharge of your debts varies in each case and depends on your assets and what the trustee's directive is concerning your case at your 341 hearing. You should consult with an attorney about your case needs and questions to get a better idea. Without the specifics of your case, it is hard to judge. Often times it can be a few months, but it can take longer.

Your debts will be discharged about 4 months after filing your case. If your bank accounts are frozen by the bank, tell your trustee to send the bank a letter that the funds can be released. If the bank accounts are frozen by creditors, you will need to file a motion asking the court to order the funds released.