A lot of it depends on you. Before you file you must complete a credit counseling course. Usually this is done on-line. There are lots of providers, your attorney will probably suggest one. My provider charges $36. Then you must, gather needed financial documents. Your attorney will need lots of information to prepare your petition. Documents include tax returns, six months of pay advices, credit reports, perhaps blue book car valuations, mortgage statements and lots of other stuff. In my experience this is a major bottleneck in getting the petition prepared for filing. Then you have to pay your bankruptcy attorney in full. If a client gets right on it a petition can be filed in a matter of days. Of course, it also depends on how busy your attorney is. I usually have 1020 cases in the pipeline. If your case is a Chapter 13 it will take a few months to get an approved plan.
Answered on Sep 03rd, 2011 at 7:07 PM