Timelines
How long does each debt relief path actually take? Here's a side-by-side summary — each links to its full timeline page for depth.
| Process | Typical Timeline |
|---|---|
| Debt Settlement | 24-48 months, depending on debt load and monthly contribution |
| Debt Consolidation | Loan funds in days to weeks; repayment typically 2-5 years |
| Chapter 7 Bankruptcy | Typically 3-6 months start to discharge |
| Chapter 13 Bankruptcy | 3-5 year repayment plan |
| Debt Lawsuit | Weeks to over a year, depending on whether it's contested |
Why Timelines Vary So Much
Every timeline above depends heavily on individual circumstances — total debt, number of creditors, state court backlogs, and how much you're able to contribute monthly. Treat these as general reference points, not guarantees.