How long do I have to wait to refile for bankruptcy?

That depends what chapter of bankruptcy you previously filed and what chapter you are intending to file.

You have to wait 8 years to file another ch. 7 from the date of the first filing. You only have to wait 4 years to file a ch. 13 from the date of the first filing.

8 years from prior filing for a chapter 7, 4 years for a chapter 13.

You may file a Chapter 13 bankruptcy at this time.

You need to wait eight years after a chapter 7 to be eligible for a discharge in a subsequent chapter 7. If you file a chapter 13 you can set a payment plan. You won't get a discharge, however, so you will need to propose a 100% payment plan.

You cannot file a Chapter 7 until 8 years from date of filing of prior 7. You can file a Chapter 13 (and receive a Chapter 13 discharge) 4 years from the date of filing of prior case.

While you must wait at least 8 years between filing two chapter 7 (11 USC 727(a)(8)) bankruptcies (assuming you got your discharge) you need only wait two years between Chapter 13 cases (11 USC 1328(f)(2)) 4 years between a 7 and a 13 (11 USC 1328(f)(1)) and six years between a 13 and a 7 (if the percentage to the unsecured creditors was under 70%) (11 USC 727(a)(9)). Please make sure you consult an attorney because you must fall under the definition of a debtor and you may have to take extra steps not normally performed in a Bankruptcy in order to make sure you are protected by the automatic stay (11 USC 362 et seq.) These times may also be greatly shortened if you did not get a discharge in the first case.