The chapter 7 bankruptcy petition takes 90 days, plus 10 days for the appeals period to expire for a total of 100 days until the discharge of your debts in granted by the court. The reason for the delay period is to give creditors the opportunity to object to your discharge under 11 USC, section 523 called Expectations to Discharge. However you should know that the automatic stay will halt creditor actions against you the moment your papers or petition is filed with the court.