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.

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