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I have a chapter 7 bankruptcy Discharged in 2003. I lost my job and have not been able to find another for almost one year now. My car is financed I have had a difficult time making the payments. The Lender is about to start repossession; Can I file bankruptcy a second time if only for as long as it takes me to work out my financial problems? I have also filed for SSI Disability, I am currently waiting for a meeting with an Administrative Law Judge.
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Bankruptcy Attorney serving Burbank, CA
Partner at
Law Office of Mark J. Markus
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You can file another Chapter 7 case now, assuming you are eligible (pass the means test, etc.). But chapter 7 is not a temporary thing. You can't back out once it is filed. Sounds to me like you want to do a Chapter 13 case where you can seek to dismiss your case should you decide you no longer need it.
You should consult with an experienced bankruptcy attorney in your area to evaluate your options.
Mark Markus has been practicing exclusively bankruptcy law in California since 1991. He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization, AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.
Answered on Aug 18th, 2013 at 5:07 PM