Bankruptcy Process Overview – What to Expect When Filing Bankruptcy

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fix credit report after bankruptcyThe following timeline is a “typical” chapter 7 bankruptcy experience based on working with a competent bankruptcy attorney. Your experience may vary depending on many factors including, the type of bankruptcy, your location, the complexity of your case, the knowledge and efficiency of your attorney, and your ability to provide accurate documentation in a timely manner.

  1. Schedule an initial consultation with an experienced and skilled bankruptcy attorney. An experienced attorney will help you understand your rights and your best options, which might not always be bankruptcy. Proper and accurate documentation is required in order to properly answer your questions and  advise you of  your options.
    Bring the following documents to the consultation: Documentation
  2. A mandatory pre-filing credit counseling session with an approved agency must be completed at least 180 days before filing bankruptcy.
  3. Most Chapter 7 cases are filed within 2-4 months  of the date the fee agreement is signed.
  4. The bankruptcy clerk will mail a notice of the  case to all creditors advising them of the case filing and related information. The notice to creditors is mailed about 7-10 days after filing (it can take up to 2-4 weeks for out-of-state creditors to cease contacting you.)
  5. The meeting of creditors (hearing) is held approximately 20-60 days after filing. You will be required to testify that the information provided to the court is correct.
  6. The discharge is granted approximately 90 days after filing, which releases the debtor from personal liability and prohibits creditors for taking any action to collect the debt.


Contact Cossitt Law at (406) 752-5616 to set up a consultation.



  1. Douglas J. Nurse  April 6, 2021

    Thanks for sharing.I really appreciate it that you shared with us such informative post, great tips and very easy to understand.


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