How long will a bankruptcy case take in Alabama?

The length of a bankruptcy case in Alabama depends on the type of bankruptcy you are filing for. A lawyer will help you to determine which of the options apply, though generally there are two options for consumer (personal) bankruptcy:

Chapter 7

This is a liquidation of assets to discharge or pay off as many debts as possible. Certain debts cannot be discharged, such as child support/alimony, student loans and debt resulting from tax. This choice is generally the best option for consumers with no assets, who have no equity to be confiscated and sold to repay debts.

Chapter 13

This is a reorganization of the debtor's finances and money owed, in order to create a payment plan to complete within five years. This choice is generally the best option for those who have some disposable income each month and would like to work hard to save the equity held in their property.

For either option, your attorney will need to create a petition that you will need to review and sign prior to the filing of the court case. A hearing in front of the trustee will be held called a "Meeting of Creditors," usually 20 to 40 days after the petition is filed. Creditors will then usually have 60 days after the hearing to file any objections. Assuming that no objections are filed, the case will be closed as soon as administration is performed by the court clerk, usually around one week. In total, the whole process should take around 3.5 months.

Getting Bankruptcy Help

If you have any questions about the bankruptcy process, arrange a consult with an experienced bankruptcy attorney. The attorney will explain all of the options available to you.