QUESTION
How many years can you file again if you have filed bankruptcy before?
Asked on May 08th, 2013 on Bankruptcy - Colorado
15 ANSWERS
Bankruptcy Attorney serving Hampton, VA
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Haven Law Group, P.C.
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You can file a 2nd chapter 7 after 8 years. You can file a chapter 13 after 4 years.
Answered on May 16th, 2013 at 5:09 AM
Bankruptcy Law Attorney serving Austin, TX
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Law Office of Susan G. Taylor
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8 years between filing dates for chapter 7 bankruptcy.
Answered on May 14th, 2013 at 6:29 AM
Bankruptcy Attorney serving Phoenix, AZ
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Law Office of D. L. Drain, P.A.
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It depends on several factors. If you filed a chapter 7 then you must wait 8 years before filing the next chapter 7. 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 10th, 2013 at 5:34 AM
Bankruptcy Chapter 7 Attorney serving Louisville, KY
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Thornhill & Holt, PLLC
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You can file Chapter 7 eight years after you successfully filed the pervious Chapter 7, or 6 years after you filed and completed a Chapter 13. You can file for Chapter 13 protection anytime, but in order to get a discharge (have the remaining debt wiped out), it has to be 4 years after you successfully filed a Chapter 7, or 2 years after you received a previous Chapter 13 discharge.
Answered on May 09th, 2013 at 3:58 PM
8 years for Chapter seven and four years for chapter 13
Answered on May 09th, 2013 at 3:56 PM
If filed a Chapter 7 and a Discharge was entered, 8 years from the date of filing of the prior case.
Answered on May 09th, 2013 at 9:54 AM
Eight years to file for a Chapter 7 or Chapter 13 that doesn't payoff 100 percent of debt.
Answered on May 09th, 2013 at 9:54 AM
If you filed a Chapter 7 before and received a discharge, you may file again after 8 full years. If you need bankruptcy protection and 8 years haven't elapsed, you may get protection in a Chapter 13.
Answered on May 09th, 2013 at 9:53 AM
Personal Injury Attorney serving Glendale, CA
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JT Legal Group
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If you're talking about just chapter 7 followed by another 7, then the rule is 8 years.
Answered on May 09th, 2013 at 9:53 AM
Chapter 13 Bankruptcy Attorney serving Bloomington, MN
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Gregory J. Wald
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If your previous case was filed under Chapter 7, you must wait 8 years after it was filed to file another Chapter 7. However, you only need to wait 4 years to re-file under Chapter 13 and be eligible for a discharge of your debts. If your previous case was filed under chapter 13, then you must wait 6 years after the case was filed to file a Chapter 7 case. However, you are eligible to file another Chapter 13 case after only 2 years.
Answered on May 09th, 2013 at 9:52 AM
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 you can file again.
Answered on May 09th, 2013 at 9:52 AM
Bankruptcy Law Attorney serving Livingston, NJ
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Law Office of Stuart M. Nachbar, P.C.
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Standard is 8 years between chapter 7 petitions
Answered on May 09th, 2013 at 9:51 AM
Consumer Finance Attorney serving Vancouver, WA
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Robert Russell Law Office
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It depends. What was the prior bankruptcy and did you receive a discharge? Assuming you received a discharge, it is 8 years between Chapter 7 cases. It's 4 years between a prior 7 and a desired Chapter 13 (if you want a discharge in the 13). There are other rules that can apply for other scenarios.
Answered on May 09th, 2013 at 9:50 AM
Deborah F. Bowinski
If you filed a chapter 7 you must wait more than eight years from the filing date before you are eligible to file another chapter 7 and receive a discharge of debt.
Answered on May 09th, 2013 at 9:50 AM
Bankruptcy Attorney serving Plantation, FL
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Moffa & Breuer, PLLC
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It depends on what you filed before and what chapter you are going to file now.
Answered on May 09th, 2013 at 9:50 AM