Do you realize that if you are constantly robbing Peter to pay Paul and cannot ever get ahead, you could be debt free by the holidays if you qualify for a Chapter 7. Many clients who come to see us have been struggling with debt for a long long time. No one rushes to file bankruptcy. Most everyone tries to pay their bills until they finally can’t.
But a Chapter 7 case takes less time start to finish than traffic court in many cases. Of course there are exceptions. But ordinarily a Chapter 7 discharge takes approximately 90 days.
There are some instances where it could take longer: the bankruptcy trustee needs more information, you’ve delayed the personal financial management course, you are trying to discharge student loans, a creditor or the trustee objects or disagrees with your exemptions. Hiring competent bankruptcy counsel will make everything go much smoother.
If you would you like a totally fresh start by December, come see us now. A free Christmas tree to whoever sees this and hires us. 🙂