Chapter 13 Bankruptcy Timeline


A Chapter 13 Bankruptcy may be resolved and your debt discharged within 3 to 5 years. The basic timeline for Chapter 13 Bankruptcy in Wisconsin is listed below.



Before Filing:

180 days before filing: You must complete a credit counseling course within 180 days of filing for bankruptcy.

90 days before filing: You must be a resident of Wisconsin for a minimum of 90 days in order to file for bankruptcy in this state.

After Filing:

15 days after filing: Within 15 days of filing a bankruptcy petition you must file paperwork regarding your assets, income, expenses and liabilities. You must also provide a repayment schedule.

30 days after filing: You must make the first payment to the bankruptcy trustee based upon the repayment schedule.

45 days after filing: The court will hold a Meeting of Creditors approximately 4 weeks after you file for bankruptcy. You will need to testify under oath regarding all the information provided to the court in your petition.

3 to 5 years after filing: A Chapter 13 discharge will occur upon the completion of the repayment schedule, which may occur anywhere between 3 and 5 years of the filing date.

Call or email Madison Bankruptcy Attorney Zeshan Usman for a free consultation.


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