QUESTION
How long do you have to wait to file bankruptcy again?
Asked on Jun 26th, 2013 on Bankruptcy - Idaho
12 ANSWERS
Benjamin Echols
That would be eight years.
Answered on Jul 07th, 2013 at 8:11 PM
Eight years between Chapter 7 filings.
Answered on Jun 27th, 2013 at 8:06 PM
Bankruptcy Law Attorney serving Austin, TX
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Law Office of Susan G. Taylor
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Ch. 7 8 years from filing date to filing date.
Answered on Jun 27th, 2013 at 5:53 PM
Commercial Litigation Attorney serving Spokane, WA
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Steven Schneider Attorney at Law, P.S.
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In order to receive a discharge of debt you have to wait 8 years from the date of your last discharge to file a new bankruptcy. You can however, file a new Chapter 13 (payment plan) earlier and force creditors to accept payments over time. You won't get a discharge but will get an extended time to pay, 3 to 5 years.
Answered on Jun 27th, 2013 at 1:28 PM
Antoinette M. Wooten
When was the last time you filed for bankruptcy? Were your debts discharged? If you filed last year, I would wait a while before refilling. Multiple bankruptcies may be considered abusive by the trustee.
Answered on Jun 27th, 2013 at 12:58 PM
Bankruptcy Attorney serving Phoenix, AZ
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Law Office of D. L. Drain, P.A.
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It depends on that chapter you filed. If you filed a chapter 7 and want to file another chapter 7 then you must wait 8 years from the date that you filed. There are different time frames for each chapter.
Answered on Jun 27th, 2013 at 10:13 AM
Commercial Bankruptcy Attorney serving Davie, FL
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Law Office of Jeffrey Solomon
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Another chapter 7 can be filed 8 years from the date of filing a prior chapter 7. There are other deadlines and timelines involved with chapter 13 bankruptcies.
Answered on Jun 26th, 2013 at 8:09 PM
If you filed a Chapter 7 & received a discharge, you need to wait 8 years from the day you filed your previous bankruptcy. Otherwise, you may file a Chapter 13 at anytime, but to be eligible to receive a discharge, 4 years must have elapsed since you filed your earlier case.
Answered on Jun 26th, 2013 at 8:09 PM
Chapter 7 Bankruptcy Attorney serving Appleton, WI
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Sisson & Kachinsky Law Offices
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8 years from date of discharge.
Answered on Jun 26th, 2013 at 12:57 PM
Deborah F. Bowinski
Eight years from the filing date to file a second chapter 7. Six years from the filing date to file a chapter 7 after a prior 13. Four years after the filing date to file a chapter 13 after a prior chapter 7. Two years after the filing date to file a second chapter 13.
Answered on Jun 26th, 2013 at 12:56 PM
Bankruptcy Attorney serving Florissant, MO
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Law Offices of Thomas Corcoran Phipps
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There is no time limit on a chapter 13. If you received a chapter 7 discharge, you have to wait eight years between chapter 7 filings.
Answered on Jun 26th, 2013 at 12:55 PM
General Practice Attorney serving Coeur d'Alene, ID
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Michael B. McFarland, PA
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Eight years between Chapter 7 filings, but you can file a Chapter 13 four (4) years after a Chapter 7. You can also file a Chapter 13 earlier, but will not be eligible for a discharge - but it allows time to pay your debts, if you can afford it.
Answered on Jun 26th, 2013 at 12:54 PM