Chapter 7 Timeline


Financial Freedom in a Flash With Chapter 7 Bankruptcy

Filing for Chapter 7 bankruptcy in Atlanta and the rest of Georgia is a much quicker process than most people think. The experienced Atlanta, Georgia bankruptcy attorneys of The Slomka Law Firm, can help you through filing for Chapter 7 to make it as smooth as possible, with a small, one-time up-front fee covering all the costs through the entire process.


  • As soon as possible Meet with a bankruptcy attorney: Don’t wait to contact a bankruptcy law firm in Atlanta. Obviously, filing for Chapter 7 can’t start until you call us. Also, there is a lot more we can do to stop wage garnishments, save your house and save your car if you get us involved early. When you meet with us at your free initial consultation, we will give you a bring-back package for you to fill out with everything needed to file a Chapter 7 bankruptcy petition.
  • Within days — The first credit counseling session: People filing for Chapter 7 bankruptcy in Atlanta and the rest of Georgia are required to go through two credit counseling courses. This first one is required before we file. The course is available online 24 hours a day, or over the telephone, and it is usually a simple matter to get it taken care of quickly.
  • Within days File a bankruptcy petition: The time from the initial consultation to filing for Chapter 7 bankruptcy is largely dependent on how quickly you can get the documentation together and get the financial counseling course taken care of. It can be as quick as you want it to be!
  • 30 days Meet with the trustee: There is a mandatory meeting with the bankruptcy trustee to go over all the financial details involved.
  • 45 days — File the necessary reaffirmation agreements: If you chose to reaffirm good debts in order to keep some important property, we need to have that paperwork filed within 45 days from the initial filing.
  • 90 days — The second credit counseling course: Before the court will discharge your debt, you will need to complete the second credit counseling course.
  • 90-120 days after the initial filing — Discharge: Approximately four months after the initial filing for Chapter 7 bankruptcy, the court will issue a discharge of your unsecured debt.

Many people are surprised to learn that the entire Chapter 7 process can take right around four months.

Atlanta Bankruptcy Lawyers • (678) 732-0001

If you want to talk about hitting the reset button and getting a fresh start on your finances, contact our bankruptcy law firm in Atlanta for a free initial consultation.