Reply #171: Under the current code, a chapter 7 should take about 90 days [View All]

[Odious justice]

from the day you file. You can surrender any secured debts in full satisfaction of the debt under a chapter 7. When your case is filed the court schedules a 341 exam (creditors exam). After this hearing you receive a discharge in about sixty days. The only way this would take significantly longer would be if there was an adversarial proceeding against you-meaning the trustee is disputing the validity of your claims(income, assets) or if you were accused of fraud.