I am considering a chapter 13 but I do not think I will be able to make the payments as I am not making very much of an income right now and I am unable to file a chapter 7 as it was only 3 years ago.
If you got a discharge in a Chapter 7, you have to wait 4 years from the filing date of the Chapter 7 before you can file a Chapter 13 case. There are no exceptions to this rule, and a judge does not have the discretion to allow you to file a Chapter 13 before that 4 years runs.
No. You must wait 8 years from your prior filing date before you can file another chapter 7. You must wait 4 years from the filing date before you are eligible for a discharge in a chapter 13 case.
No, you cannot obtain another Chapter 7 Discharge until at least 8 years have passed since your prior Chapter 7 was filed. Your choice is Chapter 13 or nothing.
No. But, you should talk to an experienced chapter 13 attorney before deciding that path will not work. I have filed cases with only payments of $25 per month.
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