Important Steps in Bankruptcy Process



Regardless of which lawyer you choose to help you with bankruptcy, the timeline is pretty much the same. The guidelines below are for a "normal" case. If you have an emergency we can file your case immediately. Also, sometimes a case will take longer to close because the trustee is holding your case open for some reason.

 
Typical Timeline for Chapter 7 Bankruptcy in Utah
 
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Day 1

Meet with the lawyer, complete the paperwork
 
 
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Days 3 - 5

Lawyer prepares and files case (all collection activity stops! Hooray!)
 
 
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Days 30 - 45

Attend the meeting of creditors with trustee and lawyer

 
 
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Days 100 - 120

Bankruptcy judge signs discharge order and trustee closes case. You're debt free!
 
 
Typical Timeline for Chapter 13 Bankruptcy
 
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Day 1

Meet with the lawyer, complete the paperwork
 
 
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Days 3 - 5

Lawyer prepares and files case (all collection activity stops! Hooray!)
 
 
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Days 30 - 45

Attend the meeting of creditors with trustee and lawyer. Your first bankruptcy payment is due shortly before this meeting.
 
 
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Days 50 - 70

Attend confirmation hearing before bankruptcy judge (only if necessary to resolve any disagreements about your repayment plan)
 
 
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Months 3 - 36

Mail your monthly bankruptcy payment in to trustee to pay down debts. In some cases your payment plan will extend out as long as 60 months.
 
 
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Years 3 - 5

After you've made the last payment required by your repayment plan, the judge signs the discharge order and the trustee closes the case. You're debt free!
 
 
Utah Bankruptcy Clinic
1140 36th St., Suite 145
Ogden, UT 84403