Can I File Again?

While no one sets out to become part of a bankruptcy case, today’s economy has really challenged many of us. Between the trouble with foreclosure and mortgage debt, to a fruitless job market, many families have been able to only find relief through bankruptcy. If you are one of the unfortunate ones to experience a continued financial hardship, you may be wondering if you can file bankruptcy again.

Time Limits

There is no rule that you cannot file for bankruptcy more than one time, but there are rules as to when you can file again. There are also rules as to which type of bankruptcy you may file for after you have filed in the past.

If you filed for Chapter 7 bankruptcy in the past and had your debts discharged, you will need to wait 8 years before you can file for another Chapter 7 case; or 4 years if you file for Chapter 13 this time.

If your previous case was discharged as a Chapter 13 bankruptcy, you will have to wait 6 years to file for Chapter 7 this time; or 2 years for another Chapter 13 case.

If you did not receive a discharge of your debts in a prior case, you can file again at any time. If you have any questions about filing for bankruptcy a second, or more, times you should consult a Tampa bankruptcy attorney to discuss your case.

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