A Fresh Start | Dorothy G Bunce
You can file another Chapter 7, but you cannot receive another discharge in Chapter 7 until 8 years have elapsed. You can file a Chapter 13 and obtain a discharge, but this will require that you make payments to the bankruptcy trustee for between 3 - 5 years depending on your income level.
Answer Applies to: Nevada
GARCIA & GONZALES, P.C. | Richard N. Gonzales
No, you can not file another Chapter 7. You have to wait 8 years. However, you can file a Chapter 13. It will require that you make a small monthly payment to discharge your debts. Meet with a lawyer face to face to get all your rights (and obligations). Good luck!
Answer Applies to: Colorado
Richard B. Jacobson & Associates, LLC | Richard B. Jacobson
You may not get a discharge under ch. 7 in a case filed within 8 years after you filed a prior case in which you had a discharge. You may file under Ch. 13, however. Consult an experienced BR lawyer; it's almost always worth the investment.
Answer Applies to: Wisconsin
Garner Law Office | Daniel Garner
At this time, you would have to file under chapter 13 rather than chapter 7. This involves a commitment of at least 3 years in which you make your best effort to pay some of your debt. It still provides you the protection of the bankruptcy stay and some "breathing room" to reorganize your debts. If you make all the payments within the mandated period of time, the unsecured, non-priority debts remaining are discharged. Meanwhile, it forces you to live without credit, other than perhaps a mortgage or a car loan.
Answer Applies to: Oregon