Filing a second bankruptcy case means that you can only stop the sheriff's sale for 30 days (plus whatever time it takes the local court to schedule a new sale) unless you can convince the bankruptcy judge that you are really, really going to go through with the bankruptcy this time unlike the last time. This is sort of in the "fool me once" category. When you filed the first bankruptcy, you are automatically treated as an honest person who is filing bankruptcy to take care of your financial problems - then you didn't follow through. The second time you file, you are automatically treated as a dishonest person who is abusing the bankruptcy system to stay free in the house for a few more months. To convince the bankruptcy judge that you're really honest and this time will be different, you have to show reasons why it will be different, for example, if you didn't use an attorney last time use one this time (this doesn't work the other way around, if you didn't use an attorney and you missed deadlines, everybody just figures you're stupid, if you used an attorney and still missed deadlines, everybody figures you're dishonest), do you have a better job, did you have an emergency last time, etc. etc. One advantage of having an attorney, is she/he can reach out to your lender and try to make a deal during those 30 days.
Answered on Dec 14th, 2016 at 7:01 AM