How long do I have to wait to file bankruptcy again?
So you’ve filed for chapter 7 bankruptcy way back when, and you’re looking to file again to get rid of debts that have piled up since. You may be asking, “How long do I have to wait to file bankruptcy again?”
OK, back to the question – how long do I have to wait to file bankruptcy again? There’s a lot of confusion and general statements about how long you have to wait to file bankruptcy again.
There’s a reason for that – the time you have to wait to file for bankruptcy again depends on what kind of bankruptcy you filed before! Since we’re talking about filing for chapter 7 bankruptcy, we’re going to answer the question through that lens.
Different times for different cases
So, first! If you previously filed a CHAPTER 13 case and obtained a discharge in that bankruptcy, then you have to wait 6 YEARS from the date of discharge in that chapter 13 bankruptcy to file a chapter 7 case.
Now, and probably more relevant to many readers, if you previously filed and obtained a discharge in a CHAPTER 7 case, then you have to wait 8 years from the date of discharge in that case to file a chapter 7 case.
Really important in that is that it has to be from the date of discharge, not the date you filed your previous case.
So, now that you know how long you have to wait to file bankruptcy again, you can check out the date of discharge from your prior case and start planning your next filing.
If you’re thinking about filing for bankruptcy and have other questions, be sure to check out and join the Bankruptcy Facebook Group called, “I’m Thinking About Filing For Bankruptcy and I’ve Got Questions.”
Even more, if you don’t want to wait to file your bankruptcy again, and you’re ready to get started with filing your chapter 7 bankruptcy case, then get in touch with the Law Office of Richard Kistnen right now using the contact info below.
Law Office of Richard Kistnen
128-22 Rockaway Boulevard
South Ozone Park, NY 11420
Tel.: (718) 738-2324
Email: [email protected]