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.

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.

What is Chapter 13 Bankruptcy? Who is it for, What debts can be included, and How Does it Work?

Highlights and key differences between Bankruptcy Chapter 7 and Chapter 13, and Debt Management to determine which is right for you.

If you’re already having trouble paying your bills, how can you afford legal fees? The truth is, there are practical ways to pay for a bankruptcy attorney—and in many cases, the cost is far less than continuing to struggle with overwhelming debt.