Castle Law Office Blog | Missouri & Illinois Bankruptcy Legal Blog

Obtaining a Discharge in a Chapter 7 Bankruptcy

First, let’s clarify what a discharge really is. A discharge is the finish line for bankruptcy. It releases the debtor from certain debts—and prevents creditors from trying to collect it. Translation: No more harassing phone calls at midnight, wage garnishments, letters filling up your mailbox, or burden from that debt.

“Sounds great, James, but doesn’t it take forever to get your debts discharged?” Actually, no. You can obtain a discharge in as little as 90 days from the day of your filing. That’s right, 90 days. Pretty small chunk of time after suffering for months or years in debt, huh? Now, every case is different. Some cases take longer than others depending on the specifics of each situation—but, in general, it won’t take much longer than 90 days, even with some complications.

Not sure if a Chapter 7 bankruptcy is right for you? Many of our clients weren’t sure either until they read through the free book that we offer or came in for their appointment. The important thing to remember is that you don’t have to live with the burden of debt forever. If you’d like to talk to us for free, you can contact us right away.