A typical Chapter 7 requires no payments and is closed within 6 months. A typical Chapter 13 usually requires monthly payments for 3-5 years. A timeline to discharge for each Chapter is provided below.
*If non-exempt assets are available your case will remain open well past 6 months to administrator payments to your creditors.
*If timely payments are not made your case may be dismissed without a discharge.
**Many exit Chapter 13 early upon 100% payout, conversion to Chapter 7, or hardship discharge.