Approximately 1 month after all appropriate documentation is filed, the trustee will call a first meeting of creditors (which the debtor must attend). This proceeding is also referred to as the § 341 meeting. What happens next depends on which type of bankruptcy that you file for. In a Chapter 7, the trustee and creditors have 60 days to challenge the debtor's right to a discharge (the debtor must also turn over all non-exempt property). If there are no challenges, you will receive a notice from the court that your dischargeable debts have been discharged within roughly 3 to 6 months. If you filed a Chapter 13 plan will you need to attend a hearing before a bankruptcy judge who will either confirm or deny the repayment plan. If your plan is confirmed and you make good on it, the balance (if any) on the dischargeable debts you owe will be eliminated at the end of your term.