How Long Will It Take? In a Chapter 7 case, the debtor will typically receive an order discharging him from his debts within 3–4 months. Chapter 13 usually requires payments over a 3 year period (with some payment plans extending to 5 years) before a debtor will receive an order discharging him from his debts.

Cox Law Group is the premier bankruptcy lawyer helping you manage or eliminate debt. Offices in Lynchburg, Danville, Staunton, and Winchester, VA.