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Who knows? It may be a few months or, it may be years or, never.
Just depends on the creditor and if they think you have any assets they can recover.
In general, you should have 6 months or more.
I had to wait to file chapter 7 to get the income down.
That wait was some 4 1/2 months and I was making no payments during that time.
Lots of threats, but no action. I do think a couple were getting ready when I filed last week though.
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