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.

What Is Chapter 7 Bankruptcy? Who qualifies, what debts can be included, and How it Works