QUESTION
I filed bankruptcy in 2006 since then I have so far in debt I was unemployed for 15 months can I file again?
Asked on Jan 31st, 2013 on Bankruptcy - Florida
More details to this question:
The company I worked for went bankrupt I have medical bills can't get caught up along with judgments and other thing I really need help I'm at rock bottom.
14 ANSWERS
You will be able to file another chapter 7 bankruptcy on the 8th anniversary of the filing of your last 7. Sometime this year. Good Luck.
Answered on Feb 11th, 2013 at 1:08 AM
Bankruptcy Attorney serving Hampton, VA
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Haven Law Group, P.C.
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If you filed a chapter 7, you will have to wait 8 years to file another chapter 7. However, you could file a chapter 13 now. If you filed a chapter 13 in 2006, you could file a chapter 7 now.
Answered on Feb 05th, 2013 at 3:45 PM
Bankruptcy Attorney serving Cleveland, OH
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Benson Law Firm
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Yes, you can file a Chapter 7 if you did not receive a discharge in the 2006 bankruptcy case. Otherwise, you'll have to file under Chapter 13 for now.
Answered on Feb 05th, 2013 at 3:45 PM
You may want to consider filing a Chapter 13 bill repayment plan based on your ability to repay. So even though you are not eligible for Chapter 7 relief yet, you are able to file Chapter 13.
Answered on Feb 05th, 2013 at 3:44 PM
Bankruptcy Law Attorney serving Austin, TX
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Law Office of Susan G. Taylor
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No, you can file Chapter 7 bankruptcy only once every 8 years, filing date to filing date.
Answered on Feb 05th, 2013 at 7:46 AM
Bankruptcy Attorney serving Alpena, MI
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Carl C. Silver Attorney at Law
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You can file a chapter 13 bankruptcy and accomplish the same thing as long as you have some form of income. You will not be eligible to file a chapter 7 until 8 years after the date you filed in 2006.
Answered on Feb 05th, 2013 at 7:45 AM
Chapter 7 and Chapter 13 Bankruptcies Attorney serving Dublin, OH
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Granger Law Firm LLC
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If you filed a Chapter 7 in 2006, you cannot file another one for 8 years. However, you would qualify to do a Chapter 13 right now. In a Chapter 13, you would have a minimal monthly payment on your bills for cents on the dollar.
Answered on Feb 05th, 2013 at 7:44 AM
You won't be eligible to file another bankruptcy under Chapter 7 until at least 8 years have passed. If you are unemployed, a Chapter 13 may not be an appropriate choice for you right now either, as you would need to commit to making payments for at least 3 years. A consultation with a local bankruptcy attorney could put things into perspective for you and I would encourage you to take this step as you sound overwhelmed right now.
Answered on Feb 05th, 2013 at 7:41 AM
Chapter 7 Bankruptcy Attorney serving Milwaukee, WI
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Law Offices of Deborah A. Stencel
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Assuming you filed and completed a Chapter 7 in 2006, you will need to wait until 2014 to file Chapter 7 again. If you filed a 13, did not complete the case successfully, or qualify for a Chapter 13 now, the answer would be different.
Answered on Feb 05th, 2013 at 7:40 AM
Bankruptcy Attorney serving Phoenix, AZ
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Law Office of D. L. Drain, P.A.
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Best to talk to a good bankruptcy attorney. You can file another chapter 7 8 years after filing your last one. Otherwise you can file a chapter 13 now. Please understand that filing for 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 Feb 05th, 2013 at 7:39 AM
2 Awards
You can file Chapter 7 every 8 years from the date of the filing. You can file a Chapter 13 2 years after, but you need regular income and disposable income to contribute to a repayment plan.
Answered on Feb 05th, 2013 at 7:38 AM
Deborah F. Bowinski
Eight years must pass from the filing date of your prior case to the time you are eligible to file a new chapter 7 bankruptcy case. You did not say, but I assume that you filed a chapter 7 in 2006. You may be eligible to file a chapter 13 case at the present time. I suggest that you consider scheduling an appointment with a bankruptcy attorney to evaluate your situation and to determine whether a chapter 13 would be of benefit.
Answered on Feb 05th, 2013 at 7:38 AM
Bankruptcy Attorney serving Seattle, WA
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Henry & DeGraaff, PS
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You are eligible to file a chapter 13 at this time, but not chapter 7. You must wait eight years from your first chapter 7 to re-file. You can discharge your debt in a chapter 13 (after a 3-5 year payment plan), but you must be able to make at least a modest monthly payment for a chapter 13 to work.
Answered on Feb 05th, 2013 at 7:35 AM
Bankruptcy Attorney serving Plantation, FL
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Moffa & Breuer, PLLC
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If you filed a Chapter 7 case, you cannot file another for 8 years from the date of the last filing. You could file under Chapter 13 now, so long as you otherwise qualify.
Answered on Feb 05th, 2013 at 7:34 AM