A case ends once the payment of all sums due under the plan have been made. This usually takes 3 to 5 years. It may take longer, however, depending upon filed claims, missed payments or a variety of other circumstances. Thousands of debtors have gained financial freedom through the bankruptcy process. It’s not easy, and you are commended for your perseverance. More information about plan completion and the case closing process can be found here.
Chapter 13 bankruptcy is a voluntary process. With some exceptions, most debtors can choose to dismiss their case at any time. There may be, however, legal consequences to dismissing your case prior to the completion of the Chapter 13 Plan. You should discuss whether you should dismiss your case with your attorney.