In a Chapter 13, you’re allowed to get your bankruptcy discharge after completion of your repayment plan. This takes about 36 to 60 months. In a Chapter 7, you usually get your bankruptcy discharge in five to six months after the day of filing. There are no factors involved that would allow you to get it quicker, unless in a Chapter 13 you ask for a hardship discharge or you complete your payments sooner. However, our judge is often reluctant to let people out of the plan unless it’s 100% planned.