How Long Does it Take to Get Out of Debt with Chapter 7?

After filing Chapter 7 bankruptcy, there are a few steps before your debts are officially forgiven.

First, you need to take some classes: You’ll need to complete a credit counseling course before you file and a debtor education course after you file. These classes teach you about managing your money.
Next, there’s a meeting with your creditors: The trustee (a court-appointed official) will hold a meeting where you and your creditors can talk. It’s like a fact-checking session to make sure everything is okay.
Then, you wait: Your creditors have 60 days after the meeting to object to your discharge. If no one objects, you should get your discharge order in a few weeks.
Things that can slow things down: If you don’t finish your classes, reaffirm a debt, or have a creditor object, it might take longer to get your discharge.
Generally, the whole process takes a few months.