You have probably been experiencing financial difficulty for a long while now and are concerned how long it would take for a bankruptcy to help. We can file bankruptcy protection for you as soon as a week after you contact us. After it is filed, a Chapter 7 bankruptcy takes about 3-4 months to receive a full discharge of debts. However, relief from debt collection starts the minute you file bankruptcy and your creditors have to immediately stop collecting all money owed. They have to stop sending collection letters and making harassing phone calls. They have to stop lawsuits and garnishments. They have to stop taking automatic payments from your bank account. They have to stop foreclosure on your house.