QUESTION
Can I file another bankruptcy after filing a chapter 7 two years ago?
Asked on May 04th, 2013 on Bankruptcy - Michigan
16 ANSWERS
Bankruptcy Attorney serving Hampton, VA
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Haven Law Group, P.C.
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No. You would have to wait 8 years total to file another chapter 7. You can file a chapter 13 after 4 years.
Answered on May 16th, 2013 at 5:14 AM
No, can file a Chapter 13 in 4 years if your prior Chapter 7 was discharged.
Answered on May 10th, 2013 at 3:57 AM
Bankruptcy Attorney serving Phoenix, AZ
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Law Office of D. L. Drain, P.A.
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No - if you got a discharge in the chapter 7 then you must wait 8 years after filing a chapter 7. But you can file a chapter 13. Please understand that bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step.
Answered on May 08th, 2013 at 2:13 AM
Chapter 7 Bankruptcy Attorney serving Appleton, WI
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Sisson & Kachinsky Law Offices
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No. You must wait 8 yrs. From date of discharge.
Answered on May 08th, 2013 at 1:55 AM
Consumer Finance Attorney serving Vancouver, WA
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Robert Russell Law Office
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You do not qualify to file another Chapter 7 (assuming you received a discharge in the earlier case). You are not disqualified from filing a Chapter 13, although you would not be entitled to a discharge upon completion.
Answered on May 07th, 2013 at 3:21 PM
Appellate Attorney serving Grosse Pointe Farms, MI
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Musilli Brennan Associates, PLLC
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Most probably not, however you should see a bankruptcy attorney for counsel if you believe you might qualify for an exception.
Answered on May 07th, 2013 at 3:21 PM
bankruptcy Attorney serving Paul, ID
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Paul N. J. Ross Law, PLLC
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Yes, you can file another Chapter 7, but you cannot receive a discharge (forgiveness) of your debts. To receive a discharge you must file a Chapter 7 more than 8 years after the filing date of your last Chapter 7.
Answered on May 07th, 2013 at 3:20 PM
If you received a discharge in your Chapter 7, you have to wait 8 years from the filing of that case to file another Chapter 7. You can file a Chapter 13 case 4 years after that filing date.
Answered on May 07th, 2013 at 3:20 PM
Chapter 7 Bankruptcy Attorney serving Milwaukee, WI
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Law Offices of Deborah A. Stencel
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You can file a Chapter 13 at this time, but you won't be able to discharge your debts. You can use the bankruptcy to keep the creditors at bay, pay off mortgage arrears, and/or save your car from repossession. The time limits between Chapter 7s is eight years.
Answered on May 07th, 2013 at 3:19 PM
You can file a Chapter 13 bankruptcy but you will not be eligible to discharge any of your debts in this second filing.
Answered on May 07th, 2013 at 3:18 PM
Bankruptcy Attorney serving Dallas, TX
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Polk & Associates
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Yes, you can file another bankruptcy case. Whether the new case will get you a discharge and what chapter it should be filed under will depend on some of the circumstances that were involved in your Chapter 7 case two years ago. But you are allowed to file again.
Answered on May 07th, 2013 at 3:18 PM
Deborah F. Bowinski
Assuming your last case was a chapter 7 filing, You must wait four years from your filing date before you are eligible for a discharge in a new chapter 13 case or eight years before you are eligible for a discharge in another chapter 7 case.
Answered on May 07th, 2013 at 3:17 PM
Bankruptcy Law Attorney serving Livingston, NJ
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Law Office of Stuart M. Nachbar, P.C.
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In NJ. If your case was not dismissed, then you can file a new Chapter 7 eight years after your original petition date.
Answered on May 07th, 2013 at 3:17 PM
Bankruptcy Attorney serving Livonia, MI
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Charles J. Schneider, P.C.
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No. You would not receive a discharge.
Answered on May 07th, 2013 at 3:16 PM
Domestic Relations Attorney serving Milford, MI
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Gabel, Gudmundsen & Gabel, P.C.
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There has to be eight (8) years between two Chapter 7 bankruptcies.
Answered on May 07th, 2013 at 3:16 PM