HOW OFTEN CAN I FILE BANKRUPTCY?

The bankruptcy laws specifically state when you can re-file bankruptcy after previously receiving a discharge.  If you file for a second time and the statutory period has not concluded from the first bankruptcy, you will not be able to obtain a discharge.  For example, you cannot receive a second Chapter 7 discharge within eight years of the filing of your last Chapter 7 bankruptcy.  Also, you cannot receive a discharge on a Chapter 13 bankruptcy case if it was filed within two years from the date your last Chapter 13 bankruptcy was filed.  Finally, if you previously receive a discharge from a Chapter 7 case, you cannot receive a discharge from a Chapter 13 case that was filed within two years of the filing date of your previous Chapter 7 case.  Understandably, this can be very confusing so if you have previously filed bankruptcy, but believe it is currently in your best interests to do so again, please contact one of our experienced bankruptcy attorneys for a free consultation.

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