See every stage of a Chapter 7 case from credit counseling to discharge — and enter a target filing date to project when each milestone would fall.
A Chapter 7 case follows a fixed federal sequence. The dates that matter most are not negotiable: the credit counseling certificate must predate the filing, the 341 Meeting of Creditors falls roughly three to six weeks after filing, and the objection window runs 60 days from that meeting. Discharge follows once that window closes.
Enter a target filing date in the tool below and it projects each milestone from those standard deadlines, so you can see how a filing date this month translates into a likely discharge date. The court sets your actual 341 date when the case is filed, and the notice it mails you always controls.
Most no-asset consumer Chapter 7 cases run about three to four months from filing to discharge. The 341 Meeting of Creditors is typically held 21 to 40 days after filing, creditors then have 60 days from that meeting to object, and the discharge is normally entered shortly after that window closes.
Federal rules place the 341 meeting roughly 21 to 40 days after the petition is filed. The exact date is set by the court and the assigned trustee, and it appears on the notice the court mails to you and your creditors after filing.
They are different courses taken at different times. Pre-filing credit counseling must be completed before the petition is filed, and the certificate is valid for 180 days. Post-filing debtor education must be completed after filing, generally within 60 days after the 341 meeting. Failing to file the second certificate is a common reason a case closes without a discharge.
My preparation fee is $300 flat. The court filing fee is $338, paid directly to the U.S. Bankruptcy Court, and may be waived or paid in installments if you qualify. The two required courses generally run about $15 to $50 each, paid to approved providers.
No. As a bankruptcy petition preparer registered under 11 U.S.C. §110, I can type and prepare the petition you direct me to prepare, but I cannot advise you whether to file, which chapter to file, which exemptions to claim, or how to respond to the trustee. Those are legal questions for a licensed attorney.
Chapter 7 petition preparation is a flat $300, plus the $338 court filing fee paid directly to the court. Express 48-hour preparation is available.
You have the estimate — now let us prepare the paperwork. Free consultation, flat-rate pricing, and update requests answered within 24 hours.
You may not have to pay the court filing fee — ask us and we will tell you in about five minutes whether you qualify.