How long does the bankruptcy process take? when do the creditor calls stop?

That depends on whether yours is a Chapter 7 or Chapter 13 proceeding. Usually the most important thing for my clients is that, as soon as you file you can stop the credit calls no matter if you file Chapter 7 or Chapter 13.

Chapter 7 typically runs its course from start to finish in about three months. The biggest issue in finishing the bankruptcy is collecting all the paper worked needed to file the bankruptcy. This is due to the new bankruptcy laws of 2005. You will need to collect everything required in the means test. If you are considering filing start organizing your paper work and documents NOW.

A Chapter 13 usually takes three years to complete but in special cases can take up to five years. This is because in a chapter 13 ( a debt repayment plan ) the bankruptcy is completed when the payments are completely received by the creditor.

What bankruptcy you file either Chapter 7 or chapter 13 depend on the "means test". When you go in for an bankruptcy consultation your lawyer can explain your options. You may call our office for a free consultation.