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Timeline of a Chapter 7 Bankruptcy Case

During consultations, one of the first questions often asked is how long a bankruptcy case takes. This is a timeline based on a typical Chapter 7 case filed in the Northern District of Illinois, Eastern Division (Chicagoland). Timing may change based on individual, and other circumstances.

Date of filing - Automatic Stay goes into effect, all legal proceedings and debt collections must be stopped.

A Trustee is also assigned to your case, a date and time for the 341 Meeting of the Creditors is given to your attorney (you will receive a copy of the Notice from the court within a couple weeks).

Within 15 days after filing - Bankruptcy Court sends the Notice of Commencement of Case to your creditors (if collection attempts continue in the meantime, let creditors know you filed for bankruptcy and give your case number and attorney's contact information).

4-8 weeks after filing - 341 Meeting of the Creditors takes place.

60 days after 341 meeting - Creditors must file any objections to discharge of debts within this timeframe. The Trustee can also decide to dismiss your case if he or she finds an abuse of the Bankruptcy Code.

If there are no objections within this time, your debts will be discharged and the case will be closed shortly thereafter.

Enjoy your fresh start!

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