Expert: John Hall - 8/7/2006

Question
My husband and I started our bankruptcy in the beginning of March and we are still going through it. The attorney we are using told us it would take around 90 days. Here we are going on 5 months and it was just filed in the middle of last month. Our first meating of creditors is next week. How much longer can I expect this to take? Someone mentioned to me that it could be another 90 days or so. Our whole life is in limbo while we go through this. We are having vehicle issues and can't go out and get a new one until this is over and my job is dependent on me having dependable transportation. Any Ideas on a time frame?
Thank you  

Answer
I regret having taken so long to get back with you.  I have been volunteering on this site for several years and in the past I have always been able to respond back to the questions within a matter of hours, usually at the latest on the following day.  I have been in the hospital unexpectedly and was not able to keep up with the questions this month.  

Insofar as your question is concerned:  

My husband and I started our bankruptcy in the beginning of March and we are still going through it. The attorney we are using told us it would take around 90 days. Here we are going on 5 months and it was just filed in the middle of last month. Our first meating of creditors is next week. How much longer can I expect this to take? Someone mentioned to me that it could be another 90 days or so. Our whole life is in limbo while we go through this. We are having vehicle issues and can't go out and get a new one until this is over and my job is dependent on me having dependable transportation. Any Ideas on a time frame?
Thank you

In a routine chapter 7, the one hearing that you have to go to (that will only last about a minute or so) usually takes place about a month after you file.   Then you will receive your discharge in no less than sixty days after that.    Look at the Notice of Commencement of Case that the court sent to you -  it will have all of those dates.  Where it gives the last day for creditors to object, you can usually expect to receive your discharge in the mail about a week after that.   If you want to keep track of your case, let me know what city you filed your case in and I can show you how you can track the court records for your own case.



Call me if you like and we can discuss this further.  I will not charge you just to talk on the telephone.    214  779-3427