How quickly can I file for bankruptcy? 32 Answers as of June 24, 2013

I want to file for bankruptcy and get it over with. How quickly can I file for bankruptcy and be done with the entire process?

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Breckenridge and Walton
Breckenridge and Walton | Alan D. Walton
You can file as soon as all of your financial information is in order. Chapter 7 is done in about 4 months, chapter 13 in 3 to 5 years.
Answer Applies to: Michigan
Replied: 6/24/2013
Mercado & Hartung, PLLC
Mercado & Hartung, PLLC | Christopher J. Mercado
Chapter 7 is 90 days but a Chapter 13 is 3 or 5 years.
Answer Applies to: Washington
Replied: 9/21/2011
G. Anthony Yuthas & Assoc.
G. Anthony Yuthas & Assoc. | Tony Yuthas
Once you have provided all of the information we require, this office can file within hours if necessary. Once filed, the time until completion of a chapter 7 is approximately 90 days. The timing is dependant on the efficiency of the trustee and the court. If you find yourself in a situation where a Chapter 13 would be better for you, you need to plan on a little over 3 to 5 years from the date of filing.
Answer Applies to: Colorado
Replied: 9/6/2011
D T Pham Associates, PLLC
D T Pham Associates, PLLC | Duncan T Pham
From start to finish: 120 days minimum.
Answer Applies to: Texas
Replied: 9/6/2011
Theodore N. Stapleton, PC
Theodore N. Stapleton, PC | Theodore N. Stapleton
You can file within a day or two.
Answer Applies to: Georgia
Replied: 9/6/2011
    Lake Forest Bankruptcy
    Lake Forest Bankruptcy | Anerio V. Altman, Esq.
    You can file for Bankruptcy immediately in theory, it depends how long it takes you to get all of your paperwork together. There is a minimum of 120 days that must pass in Bankruptcy before you will receive your discharge. By statute, it will never be shorter than that in the Central District of California.
    Answer Applies to: California
    Replied: 9/6/2011
    Indianapolis Bankruptcy Law Office of Eric C. Lewis
    Indianapolis Bankruptcy Law Office of Eric C. Lewis | Eric Lewis
    You can file bankruptcy just as quick as you get everything together, including the petition, documentation, completion of schedules, attorney and filing fees.
    Answer Applies to: Indiana
    Replied: 9/5/2011
    The Law Office of Marvin Wolf
    The Law Office of Marvin Wolf | Marvin Wolf
    If you have all the items required, a few days. If it's a chapter 7 bankruptcy, from the time you actually file until you get your discharge is usually five months, during which time you are protected by the court's automatic stay (the prohibition of collection efforts).
    Answer Applies to: New Jersey
    Replied: 9/5/2011
    Law Offices of James Wingfield
    Law Offices of James Wingfield | James Wingfield
    If your question is whether it is possible to file the case quickly, then the answer is yes. You can file a skeleton petition, but you will need to file all the remaining and supporting documentation necessary within 2 weeks of filing. If you go this route it is important to understand what information and documentation your attorney will need and be able to get all of the necessary documents together fairly quickly. If you are unable to put everything together in a timely fashion that your case will most likely be dismissed automatically at the end of the two week grace period. In my experience, unless there is a pending foreclosure that you need to stop, there is usually no reason to file in this manner. You should talk to an attorney about your specific situation sooner, rather than later, to determine whether there is a need to rush. Often rushing in without a solid strategy can be problematic for your case.
    Answer Applies to: Massachusetts
    Replied: 9/5/2011
    The Law Offices of Katie M. Stone
    The Law Offices of Katie M. Stone | Katie M. Stone
    There are two different chapters of personal bankruptcy. Chapter 7 which is a liquidation bankruptcy and takes about 4 months from filing to discharge and a chapter 13 which is a reorganization of your debt and a repayment plan (either a 36 or 60 month plan). In order to qualify for a chapter 7, you must pass what is called a "means test" meaning that your income must fall below the medium income allowed by your state and household size. I highly suggest you consult with an attorney to go over the bankruptcy process, the different chapters and which route would be best for you. Most attorney's will offer a free initial consultation. I hope you have found this answer useful.
    Answer Applies to: Florida
    Replied: 9/3/2011
    Heupel Law
    Heupel Law | Kevin Heupel
    The process depends on how fast you can gather the necessary documents needed to file a bankruptcy. Some people can do it in one day while others take a year. The speed of the process is entirely up to you.
    Answer Applies to: Colorado
    Replied: 9/3/2011
    The Barger Law Firm
    The Barger Law Firm | Jason W. Barger
    If you have decided to file bankruptcy, I would encourage you to speak with a bankruptcy lawyer on handling the case. If you qualify for a Chapter 7 filing, the process takes three months. If you are forced to file a Chapter 13, the time period is 60 months.
    Answer Applies to: Texas
    Replied: 9/3/2011
    Dan Wilson Bankruptcy
    Dan Wilson Bankruptcy | Dan Wilson
    A lot of it depends on you. Before you file you must complete a credit counseling course. Usually this is done on-line. There are lots of providers, your attorney will probably suggest one. My provider charges $36. Then you must, gather needed financial documents. Your attorney will need lots of information to prepare your petition. Documents include tax returns, six months of pay advices, credit reports, perhaps blue book car valuations, mortgage statements and lots of other stuff. In my experience this is a major bottleneck in getting the petition prepared for filing. Then you have to pay your bankruptcy attorney in full. If a client gets right on it a petition can be filed in a matter of days. Of course, it also depends on how busy your attorney is. I usually have 1020 cases in the pipeline. If your case is a Chapter 13 it will take a few months to get an approved plan.
    Answer Applies to: Colorado
    Replied: 9/3/2011
    Law Office of Michael Johnson
    Law Office of Michael Johnson | Michael Johnson
    It matters on what type of bankruptcy. It can be filed in a day, but it can last from 4 months to 5 years.
    Answer Applies to: Florida
    Replied: 9/3/2011
    Judith A. Runyon, Esq. Attorney at Law
    Judith A. Runyon, Esq. Attorney at Law | Judith A. Runyon
    It takes four months from the date of filing to the date you get your discharge.
    Answer Applies to: California
    Replied: 9/2/2011
    Mauritz Van Niekerk, Attorneys at Law
    Mauritz Van Niekerk, Attorneys at Law | Christiaan van Niekerk
    The important date is filing date and that can be done in a week.
    Answer Applies to: New York
    Replied: 9/2/2011
    Law Offices of Michael J. Berger
    Law Offices of Michael J. Berger | Michael J. Berger
    A lawyer can file for bankruptcy for you the same day that you hire him/her, if that is what you need. A typical Chapter 7 case takes approximately 4 months, start to finish.
    Answer Applies to: California
    Replied: 9/2/2011
    The Schinner Law Group
    The Schinner Law Group | Quinn J. Chevalier
    If you want to file a chapter 7 bankruptcy, you should have a mandatory meeting of creditors within 4-6 weeks from the date you file. If everything goes as planned (meaning you do everything you have to do, and the trustee is satisfied that everything is on the up and up), then you could receive your discharge order about 60 days after that meeting. So the entire process can be done in about three months days or so. There are never any guarantees as to timelines.
    Answer Applies to: California
    Replied: 9/2/2011
    Bankruptcy Law office of Bill Rubendall
    Bankruptcy Law office of Bill Rubendall | William M. Rubendall
    Chapter 7 bankruptcy is a process that can't be accelerated. First, a petition is filed. In about 5 weeks there is a required meeting of creditors to attend. After the meeting there is a 60 day period that creditors are allowed to object. After that time the discharge will be entered. The start to finish procedure takes about 4 months.
    Answer Applies to: California
    Replied: 9/2/2011
    Ashman Law Office
    Ashman Law Office | Glen Edward Ashman
    It will go far faster with a lawyer. A Chapter 7 depending on complexity can last from 4 months to a lifetime. A Chapter 13 will last 3 to 5 years.
    Answer Applies to: Georgia
    Replied: 9/2/2011
    Law Office of Maureen O' Malley
    Law Office of Maureen O' Malley | Maureen O'Malley
    As soon as you can get the documents to your lawyer including pay stubs, tax returns, and bills, and get your consumer counseling done.
    Answer Applies to: Virginia
    Replied: 9/2/2011
    Law Offices of Joseph A. Mannis
    Law Offices of Joseph A. Mannis | Todd Mannis
    As quick as you want. If you can get paperwork together.
    Answer Applies to: California
    Replied: 9/2/2011
    Ursula G. Barrios Law
    Ursula G. Barrios Law | Guillermo Machado
    As quickly as you want.
    Answer Applies to: California
    Replied: 9/2/2011
    Bird & VanDyke, Inc.
    Bird & VanDyke, Inc. | David VanDyke
    Once you file the Chapter 7 process takes approximately 105 days.
    Answer Applies to: California
    Replied: 9/2/2011
    Law Office of Jackie Robert Geller
    Law Office of Jackie Robert Geller | Jackie Robert Geller
    Retain an experienced attorney. He or she will advise you of your options, explain the costs, request necessary information and prepare your case. We have been able to do same day filings if necessary. Also, you will have to do pre-filing debt counseling.
    Answer Applies to: California
    Replied: 9/2/2011
    The Salas Firm
    The Salas Firm | Ron Salas
    The filing may be completed with 24 hours after you complete documentation. The case will remain open for approximately 6 months depending on the situation.
    Answer Applies to: Colorado
    Replied: 9/2/2011
    Ross Smith, Attorney at Law
    Ross Smith, Attorney at Law | Charles Ross Smith III
    If you are filing a Chapter 7 Bankruptcy, it will only take the attorney a few days from the time you psy your fees and costs to have your petition ready to file. It will probably take you longer to gather the necessary documents than the attorney takes to prep the bankruptcy. I assume that you will hire some that specializes in bankruptcy and that you have a simple case with no business in the last 4 years. Bankruptcies are effective IMMEDIATELY on filing. In a Chapter 7, the case is essentially done when it is filed. We now file electronically over the internet. The Bankruptcy Court is paperless. When the Court gets your petition, it immediately issues an order to all of your creditors electronically. They get the message in about 20 seconds. The Court's order is what make all of your creditors stop calling and suing and garnishing. However, there is a "First Meeting of Creditors that you must attend. Don't worry. Your creditors will not be there. This meeting is always held between 50 - 60 days after you file. The Trustee will be there. It will last 5 - 10 minutes usually. Remember, 90% of life is showing up. So be sure to show. The Court will routinely issue your discharge about 120 days after you file. Bankruptcy Court is very precise and regular. Things move on time. Keep in mind that it's all over but the shouting when you file. And get a good ecperienced attorney. We all charge about the same, so why not hire a good one?
    Answer Applies to: Ohio
    Replied: 9/2/2011
    Charles Schneider, P.C.
    Charles Schneider, P.C. | Charles J. Schneider
    Bankruptcies can be filed 24/7 electronically by lawyers only. You will usually get a discharge in 6 months.
    Answer Applies to: Michigan
    Replied: 9/2/2011
    Bankruptcy Law Center
    Bankruptcy Law Center | Bill Zurinskas
    You can file bankruptcy quickly assuming you can complete credit counseling and receive the certificate, fill out the bankruptcy forms, supply the necessary documents & information and pay the fees involved with the filng quickly.
    Answer Applies to: Colorado
    Replied: 9/2/2011
    Carballo Law Offices
    Carballo Law Offices | Tony E. Carballo
    As soon as you can get yourself over to a lawyer's office for an appointment with all the money to pay the lawyer, the court filing fee of $299 for a Chapter 7 and the documents and complete the first course online (Credit Counseling).
    Answer Applies to: California
    Replied: 9/2/2011
    Goldsmith & Guymon
    Goldsmith & Guymon | Marjorie Guymon
    A case is a minimum 90-120 days.
    Answer Applies to: Nevada
    Replied: 9/2/2011
    Symmes Law Group, PLLC
    Symmes Law Group, PLLC | Richard James Symmes
    You may file bankruptcy as fast you can get the proper paperwork to your bankruptcy attorney. The entire process takes about 4 months, however the automatic stay starts immediately.
    Answer Applies to: Washington
    Replied: 9/2/2011
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