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The duration of bankruptcy proceedings varies depending on the type of bankruptcy and individual circumstances. Chapter 7 typically lasts a few months, while Chapter 13 repayment plans typically last three to five years. Factors such as court schedules, the complexity of your case, and creditor challenges can affect the timeline.

While bankruptcy can eliminate many types of unsecured debts like credit card balances and medical bills, certain debts may not be dischargeable. Non-dischargeable debts often include child support, alimony, most tax debts, student loans (in most cases), and debts incurred through fraud or malicious intent.

Bankruptcy is not the only solution for debt relief. Alternative options include debt consolidation, debt settlement, negotiating with creditors, or credit counseling. Our firm provides resources and referral connections to explore these alternatives for individuals where bankruptcy might not be the right option, helping you find the best path to financial stability.