How Long Do I have To wait Until I Can File Bankruptcy Again?

There are a number of benefits that can come with the process of filing for bankruptcy. If you are facing potential foreclosure or you are facing ongoing issues with credit harassment, you can enjoy lifting some of these restrictions within bankruptcy cases by understanding the rules around bankruptcy. Having a proper advocate available to you if you are struggling with debt can help you with the process of understanding the bankruptcy process.

You can file for bankruptcy more than once but there is a predetermined period that you will have to wait between the type of bankruptcy that you file. If you have a previous bankruptcy case that was dismissed, discharge or discharge with prejudice there are a number of conditions you may have to face in the future.

If you have faced a discharge in chapter 7 bankruptcy you will have to wait at least eight years until you file another bankruptcy claim.

If you have had a discharge in chapter 7 bankruptcy and would like to file for Chapter 13 bankruptcy, you have to wait four years from your previous data bankruptcy to receive the discharge in chapter 13.

If you’ve tasted discharge in chapter 13 bankruptcy you will be required to wait at least six years before having the option of filing for Chapter 7 bankruptcy from the date of your full discharge in chapter 13.

If you have completed a full discharge and Chapter 13 bankruptcy will need to wait another two years before filing for Chapter 13 again from the previous date of your full bankruptcy discharge of a previous chapter 13 case.

If you would like assistance in the process of filing for bankruptcy, contact our staff today and we can help with the process of a bankruptcy claim. We can make sure that you end up with the best type of bankruptcy for your needs and that you can meet the conditions of each type of bankruptcy.