Even though the process described above seems straightforward, and typically is, there are a variety of factors that could delay your case at any step.
Usually, if there is an issue with your case, you can generally expect that issue to delay your case by several months. However, if there is a particularly complicated situation, sometimes cases can be open for several years.
The most common reasons for case delays are:
If you’ve failed to complete your certificate certifying the completion of your financial management course within the allowed timeframe
If your trustee is investigating or selling an asset belonging to you
If there are objections from your creditor or trustee to certain aspects of your case