In Georgia, most Chapter 7 bankruptcy cases takes between 4 – 5 months to complete after filing the case with the court. The official discharge order erasing eligible debts is entered after that time frame. No-asset cases are typically closed a couple of weeks after the discharge date.
A Chapter 13 bankruptcy involves a repayment plan, so it takes quite a bit longer to complete. Typically, a Chapter 13 bankruptcy case lasts for 3 to 5 years. Since a Chapter 13 plan is debt consolidation and repayment plan the length of time will depend on the amount of your debt and what you legally have to repay based on your income and assets.
A skilled Georgia bankruptcy attorney can review your specific financial situation and let you know which Chapter you qualify for and which would be best for you.