Chapter 7 Timeline Calculator


If you have received your 341(a) Notice, fill in the date here for more accurate dates below. Otherwise the calculator estimates the 341(a) hearing to be 30 days after the filing date.



























The Chapter 7 Timeline Calculator provided above displays approximate dates for deadlines and events in a Chapter 7 Bankruptcy case. These dates are subject to change by amendments to the U.S. Code, or may vary due to local rules or practices or even due to the specific facts of your case. If you should have any questions, please do not hesitate to call Attorney Matthew Trask at 508.655.5980 to schedule a 1-hour initial consultation.

For more information regarding the sources of these deadlines and event dates please see the following references:

Description of Deadline/EventU.S. Code Reference
FRAUDULENT TRANSFERS - The trustee may avoid any transfer if the intent of the transfer was to hinder, delay, or defraud any entity to which the debtor is indebted, or in some instances when the tranfser wasn't for fair value.11 U.S.C. § 548(a)(1)
INSIDER CREDITOR PREFERENCE - Payments to a creditor who is an insider, such as a relative or business associate, up to 1 year prior to the filing date may be considered a preference.11 U.S.C. § 547(b)(4)(B)
RESIDENCY REQUIREMENT - Restricted to filing in the state where you have resided, or which has been your principal place of business for the majority of the last 180 days.28 USC § 1408
CREDIT COUNSELING COURSE - Must be taken before filing date and up to 180 days prior to filing date.11 U.S.C. § 109(h)
NON-INSIDER PREFERENCE - Payments to any creditor up to 90 days prior to the filing date may be considered a preference.11 U.S.C. § 547(b)(4)(B)
LUXURY GOODS - $500 for "luxury goods or services" incurred up to 90 days prior to the filing date is presumed to be non-dischargeable.11 U.S.C. § 523(a)(2)(C)
CASH ADVANCE - $750 for cash advances incurred up to 70 days prior to the filing date is presumed to be non-dischargeable.11 U.S.C. § 523(a)(2)(C)
AUTOMATIC STAY - Automatic stay prohibits all collection actions as of filing date.11 U.S.C. § 362
FILING SCHEDULES, STATEMENT, & PAYSTUBS - Case may be dismissed upon Motion of the trustee if schedules, financial statement, and 60 days of paystubs not filed within 15 days of filing date.11 U.S.C. § 707(a)(3)
FILING TAX RETURN - Case may be dismissed if preceding year's federal tax return not filed with Trustee 7 days prior to 341(a) meeting.11 U.S.C. § 521(e)(2)(A)
STATEMENT OF INTENTION - Within 30 days after filing date (or before the Creditor's meeting if that is earlier), the you must file a Statement of Intention indicating your intentions with regard to surrendering or keeping personal property secured by consumer debt.11 U.S.C. § 362(h)(1)
341(a) MEETING OF CREDITORS - Approximately 30 days after the filing date, the Trustee shall preside at a meeting of creditors.11 U.S.C. § 341
ACTING ON INTENTION - Within 45 days of the 341(a) meeting, you enter into agreement with creditor or redeem the property pursuant to any Statement of Intention.11 U.S.C. § 521(a)(6)
FINANCIAL MANAGEMENT COURSE - Must be taken within 45 days of conclusion of 341(a) meeting.11 U.S.C. § 727(a)(11)
OBJECTIONS - Objections to dischargeability of a specific debt or of all the debt must be made within 60 days after the first date set for creditor's meeting.11 U.S.C. § 523(a)(2)
11 U.S.C. § 727(a)
PROOF OF CLAIM - Non-Governmental Proofs of Claim must be made within 90 days after the first date set for creditor's meeting. Government Proofs of Claim must be made within 180 days after the filing date.Fed. R. Bankr. P. 3002(c)
For more information about Chapter 7 Bankruptcy visit our Chapter 7 page or click on one of the questions below:

Frequently Asked Chapter 7 Questions:

What is Chapter 7 Bankruptcy?

What is the purpose of a Chapter 7 Bankruptcy filing?

What kinds of debts are not discharged in Chapter 7 Bankruptcy?

How much does it cost to file for Chapter 7 Bankruptcy?

Can I file Chapter 7 Bankruptcy Even if I Have Filed Before?

Can a Court Deny my Discharge in a Chapter 7 Bankruptcy Case?

What happens if I paid off all or some of my debts before I file for Bankruptcy? What is an "Insider"?

Do I need to take a credit counseling course before I can file for Chapter 7 Bankruptcy?

Do I need to be a resident of Massachusetts to file for Bankruptcy in Massachusetts?

What happens immediately after I file my Chapter 7 Bankruptcy?

What do I need to file with my Bankruptcy Petition? Are there any deadlines?

What Happens After My Case is Filed? Do I Need To Go to Court?

Under What Circumstances Can Creditors Object to the Discharge of a Debt?

When Will I Receive My Discharge?

Click here to learn more about Chapter 7 Bankruptcy.


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Skylark Law & Mediation, P.C. (formerly Kelsey & Trask, P.C.) is a law and mediation firm located in Framingham, MA that serves the Metro-West communities of Massachusetts and beyond including Norfolk County, Middlesex County, Plymouth County, Worcester County, Bristol County and Suffolk County.

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