Filing for bankruptcy can feel like standing at the base of a mountain—daunting, confusing, and full of unknowns. One of the biggest questions people ask is, “How long does it take to file bankruptcy?” While the answer isn’t one-size-fits-all, this guide breaks down the typical timeline, key steps, and factors that might speed things up or slow them down. Let’s dive in.

You don’t have to figure this out alone. A debt professional can walk you through your options and help you take the next step—with no cost to get started. Call (602) 691-7570, or schedule your free consultation here.

Understanding the Bankruptcy Filing Timeline

First, let’s clarify what we mean by “filing” bankruptcy. When people ask about the timeline, they’re usually referring to the period from deciding to file to officially submitting paperwork to the court. This is different from the entire bankruptcy process (like waiting for a discharge or completing a repayment plan), which can take months or years, depending on whether you are filing Chapter 7 or Chapter 13. 

On average, preparing and filing your bankruptcy petition takes 2–6 weeks. This depends on your readiness, the complexity of your finances, and how quickly you can gather documents. Think of it like assembling a puzzle: the more organized you are, the faster the pieces fall into place.

The Step-by-Step Process of Filing Bankruptcy

Let’s walk through the key steps involved in filing and how long each typically takes.

1. Meeting with a Bankruptcy Attorney (1–2 Days)

Your first move is consulting a bankruptcy attorney. (Click here, and we can help you find an attorney in your state.) This meeting helps you understand your options (Chapter 7 vs. Chapter 13) and whether bankruptcy is right for you. Many attorneys offer free initial consultations, often over the phone, and scheduling this consultation usually happens on the same day, or at the latest in a day or two.

Pro Tip: Compile a list of debts, assets, and any pending legal actions (like lawsuits or wage garnishments) for this meeting. The more details you provide upfront, the smoother the process.

2. Completing Credit Counseling (1–2 Days)

Before filing for bankruptcy, you’re required to take a credit counseling course from a provider approved by the U.S. Department of Justice’s Office of the U.S. Trustee.

Evergreen Financial Counseling is an approved provider. Our course is available online, takes about 60–90 minutes to complete, and costs just $20. Since we’re a nonprofit, this fee is tax deductible.

You can sign up here—and plan to complete it in a single sitting.

3. Gathering Financial Documents (1–2 Weeks)

Gathering your financial documents usually takes about a week—and sometimes up to two if you’re tracking down older paperwork.

You’ll want to pull together a few key items: recent tax returns (from the last two to four years), pay stubs or proof of income from the past six months, and bank statements. You’ll also need a list of your creditors and any outstanding debts, plus documents for any assets you own, like property deeds or car titles.

If you already have some of this on hand, great—you’re ahead of the game. If not, no worries. Just take it one step at a time, and remember that staying organized can help keep things moving.

4. Preparing Your Bankruptcy Petition (1–2 Weeks)

Preparing your bankruptcy petition usually takes one to two weeks. Your attorney will use your financial documents to draft the official paperwork, which includes a detailed list of your assets and debts, income and expense reports, and a statement of financial affairs outlining your recent financial transactions. The complexity of your case can affect the timeline, with simpler cases being completed faster and more complex situations requiring additional time.

Straightforward cases take a few days. Complex situations (like owning a business or multiple properties) might require extra time.

5. Reviewing and Signing (1–2 Days)

Before filing, you’ll review the paperwork for accuracy. Once everything is correct, you’ll sign the forms. Most people wrap this up in one or two meetings with their attorney.

6. Filing with the Court (Less Than 1 Day)

Finally, your attorney submits the paperwork electronically to the bankruptcy court. This step is instant—once filed, an “automatic stay” immediately stops creditors from contacting you.

Want to talk with a debt professional about your situation and explore your options? There’s no cost to get started. Call (602) 691-7570, or schedule your free consultation here.

Chapter 7 vs. Chapter 13: How Bankruptcy Type Affects Timing

The type of bankruptcy you file (Chapter 7 or Chapter 13) doesn’t drastically change how long it takes to submit your paperwork—but it does impact the overall process.

Chapter 7 Bankruptcy: The “Straightforward” Route

• Timeline to File: 2–6 weeks (same as the general process above).
• Post-Filing Timeline: Most Chapter 7 cases wrap up within 4–6 months. A trustee sells non-exempt assets (if any), and eligible debts are discharged.

Chapter 13 Bankruptcy: The Repayment Plan

• Timeline to File: Slightly longer (3–6 weeks), since your attorney must also draft a 3–5 year repayment plan.
• Post-Filing Timeline: The court approves your plan within a few months, which is called “confirmation.” After your case has been confirmed, you’ll make payments for 3–5 years before receiving a discharge.

Key Takeaway: Filing the initial paperwork takes a similar amount of time for both types. The major difference is how long the entire process lasts.

Factors That Speed Up or Slow Down Your Filing

Why might your timeline look different from the average? Here’s what can affect it:

What Speeds Things Up

• Having Documents Ready: Organized records = faster preparation.
• Simple Finances: Fewer assets, debts, or income sources simplify paperwork.
• Emergency Filings: If you’re facing foreclosure or repossession, attorneys can file a “skeleton” petition in days, then add details later.

What Might Take a Bit Longer

Missing Documents: If you’re still waiting on tax returns or bank statements, it can add a little time.
Complex Situations: Things like business ownership, recent big purchases, or lawsuits may require a bit more legal prep.
Court Timing: Some courts move faster than others—especially during busy seasons.

Pro Tip: Keep things moving by replying quickly to your attorney and reviewing your forms carefully before submitting.

Final Thoughts: Patience and Preparation Pay Off

So, how long does it take to file bankruptcy? For most, it’s a 2–6 week process from consultation to court submission. While this might feel overwhelming, remember that bankruptcy is a tool to reset your financial life—and a few weeks of effort can lead to years of relief.

If you’re considering bankruptcy, start by:

1. Calling (602) 691-7570, or scheduling a free consultation with a debt professional. You’ll find out whether bankruptcy is the right fit for your situation. 
2. Organizing your financial documents, per your attorney’s instructions. Completing the credit counseling course. Sign up here. 

And remember: If you start today, you’re already one day closer to leaving debt—and the stress that comes with it—behind. Small steps add up, and you’re moving in the right direction.

Take that first step—you’ve got this!