Consumer Bankruptcy

How long does bankruptcy take? The timeline depends on the chapter you file (Chapter 7 or Chapter 13), the complexity of your finances, and how quickly required documents are gathered. In Wyoming, a straightforward Chapter 7 can be completed in as little as about 4 months from filing to discharge. Chapter 13 takes longer because it involves a court-approved repayment plan lasting 36 to 60 months.

In Wyoming, bankruptcy attorney fees commonly run $2,000–$4,000, plus court costs and other fees. A lawyer helps protect assets, prevent mistakes, and reduce stress, often saving more than they cost. If paying feels impossible, ask about options like payment plans, bifurcated representation, or Chapter 13 payment plans. The earlier you speak with an attorney, the more options you have.

If you’re juggling medical bills, credit cards, and high-interest loans, “debt management” can sound safer than filing bankruptcy. But here’s the hard truth: debt management programs can’t stop collection calls, lawsuits, garnishments, repossessions, or foreclosure. For many families, things get worse before they get better. Bankruptcy flips that script—bringing legal protection and a clearer path forward right away.

The latest guidance from the Department of Education explains how the Big, Beautiful Bill changes student loan debt, repayment, new IBR access, RAP rules, and key borrower deadlines.