In a Chapter 7, you attend the 341(a) Meeting of the Creditors approximately one month after you file your bankruptcy petition. You then receive the discharge about two months after that.
In a Chapter 13, you attend the 341(a) Meeting of the Creditors approximately 45 days after your bankruptcy petition is filed. The Confirmation hearing may be between 7 and 45 days after the 341(a) Meeting of the Creditors, depending on where your petition is filed. Once your plan is confirmed, you make your payments for the approved years and then receive the discharge.
In either chapter, you will need to complete a pre-petition bankruptcy counseling session in our office before you file bankruptcy and you must complete a debtor education DVD course in order to receive a discharge on your bankruptcy.