How long does the bankruptcy process take?

The length of time it takes to complete the bankruptcy process in West Virginia varies depending on the type of bankruptcy an individual is filing. Generally, filing for Chapter 7 bankruptcy takes 4-6 months while filing for Chapter 13 bankruptcy takes 3-5 years. The bankruptcy process begins when an individual prepares and files a petition and several required forms with the bankruptcy court in the state in which they reside. This is usually done with the assistance of an attorney or an online preparation service. After the petition has been filed, the court will review it and issue a notice of a meeting of creditors. This meeting is typically held within 40-50 days of the filing, and during this meeting, the debtor is questioned by creditors and a trustee about their assets and debts. At this point, the court will decide whether or not to grant a discharge of the individual’s debts. If this is granted, the individual may not be able to keep all of their assets but any remaining debts will be discharged. This process typically takes between 4-6 months in a Chapter 7 bankruptcy, or 3-5 years in a Chapter 13 bankruptcy. The individual will then receive a discharge of their debts, and the process is complete.

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