Chapter 13 Bankruptcy Timeline

Understanding Chapter 13 Bankruptcy Process & Timeline by Jacksonville, Florida Lawyer

A Chapter 13 Florida bankruptcy takes longer to complete than a Chapter 7 petition since payments will have to be made from the petitioner’s future income in order to pay creditors over a period of 3 to 5 years. It is best to seek counsel from the bankruptcy lawyers at the Law Offices of Justin McMurray to understand the complex process of a chapter 13 bankruptcy in Florida. Make the best decisions to protect your financial health. The following will serve as your guide as you go through the Chapter 13 bankruptcy process:

  • First day – The actual filing of your bankruptcy petition counts as the first day of the process. Once filed, the process officially starts, followed by the release of an automatic stay, which legally requires your creditors to discontinue all collection activities and pending lawsuits. A trustee will be assigned to preside over the case.
  • 15 days after filing – Once the petition is in motion, you are required to file for your repayment plan and financial schedules within or approximately 15 days after filing the petition. These documents may include your financial schedules, provisional repayment plan, and documents to assess your eligibility for a Chapter 13 Florida bankruptcy.
  • 30 days after filing – Payments can start 30 days after the filing. If you fail to make your first payment within a month of filing your petition, the case can be canceled by the court.
  • 45 days after filing – The creditor’s meeting should be scheduled shortly after your first payment. This meeting is primarily designed to evaluate the proposed repayment plan. The creditors and trustee must file their objects to the plan within 30 days of the creditor’s meeting.
  • 90 days after filing – Final recommendations to the bankruptcy court regarding your repayment plans are made during the confirmation hearing, which is held approximately 90 days after filing the petition. A judge appears at the confirmation hearing to confirm bankruptcy and decide about the final repayment plan.
  • 135 to 225 days after filing – Proofs of claim that confirm the balance of debts must be filed.
  • Three to 5 years after filing – Repayment plans may be completed approximately 3 to 5 years after the initial filing of the petition. Over the course of the plan, you must make regular payments to the trustee to maintain agreement with the Chapter 13 bankruptcy Florida process.


Dedicated lawyers working for clients throughout Florida. Our Jacksonville law firm has been assisting clients for over 10 years. We work hard for you so that you can focus on other matters that are important to you and your family. The future belongs to you! We help you move past the legal matter that may be dominating your daily life right now so that you can focus your attention on your future goals and endeavors.

Regardless of the type of legal matter you may be facing right now, we strive to provide the personal attention you would expect if your case was the only case our attorneys were handling. We have helped thousands of clients throughout Florida. Let us help you with your legal matter.

Fast and easy solutions to the legal matter you are facing. Our goal is to help you find an affordable solution to your legal matter without causing additional stress or work for you. When you retain our law firm, you receive the guidance, support, and legal counsel of a Jacksonville attorney who is knowledgeable, passionate, and dedicated to serving his clients. You also receive the full support of a team of legal professionals who are dedicated to obtaining the best possible outcome in your case.

Contact our office to discover the difference it can make to have a team on your side that puts your best interests above all other concerns. Our Jacksonville lawyers believe everyone deserves to have the benefit of experienced legal counsel. Therefore, our law firm offers free consultations. We do not want the concern about paying for a legal consultation to prevent you from getting help with a legal matter. We want you to have the legal counsel and guidance you need as you choose the best option for you to resolve your legal matter.

Call our Jacksonville law firm at (904) 248-4482 to speak with an attorney now. Do not wait any longer to learn about your legal rights and options regarding your situation.