Can I file for bankruptcy again after five years? 19 Answers as of January 18, 2016

I filed Chapter 7 bankruptcy about 5 years ago and it was discharged. I have since moved to another state and find myself needing to file again. Is this possible?

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Law Office of Susan G. Taylor
Law Office of Susan G. Taylor | Susan G. Taylor
No. 8 years between filing dates.
Answer Applies to: Texas
Replied: 1/18/2016
Rhymer Law Firm
Rhymer Law Firm | William Rhymer
You would not be eligible for another Chapter 7 until 8 years after filing the first one. However, you might be eligible for a Chapter 13. Talk with a local lawyer.
Answer Applies to: Georgia
Replied: 1/7/2016
David R. Fondren, Attorney at Law
David R. Fondren, Attorney at Law | David R. Fondren
You can file a chapter 13 and receive a discharge.
Answer Applies to: Missouri
Replied: 1/6/2016
A Fresh Start
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
Replied: 1/4/2016
Ronald K. Nims LLC | Ronald K. Nims
You can file another chapter 7 but you can't get a discharge. You have to wait 8 years between bankruptcies.
Answer Applies to: Ohio
Replied: 1/4/2016
    Musilli Brennan Associates PLLC
    Musilli Brennan Associates PLLC | John F Brennan
    Very doubtful, see a bankruptcy attorney about you circumstances. If you can it will be an exception to the rule.
    Answer Applies to: Michigan
    Replied: 1/4/2016
    Marc S. Stern
    Marc S. Stern | Marc S. Stern
    You cannot get a discharge in a Chapter 7 for 8 years. You can obtain a discharge in a Chapter 13.
    Answer Applies to: Washington
    Replied: 1/4/2016
    D.J. Rausa, Attorney at Law | D.J. Rausa
    You cannot file another Chapter 7 regardless of what state you live in. Bankruptcy Law if Federal Law. However, you may be able to file a Chapter 13. Contact a local bankruptcy attorney.
    Answer Applies to: California
    Replied: 1/4/2016
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    You can file a Chapter 13 at this point, but you need to wait more than 8 years since the date the prior Chapter 7 was filed in order to file a new Chapter 7.
    Answer Applies to: California
    Replied: 1/4/2016
    John W. Lee, PC
    John W. Lee, PC | Kim A. Lewis
    You could file a chapter 13 bankruptcy but would not qualify for another chapter 7.
    Answer Applies to: Virginia
    Replied: 1/4/2016
    Garner Law Office
    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
    Replied: 1/4/2016
    Scott Goldstein | Scott Goldstein
    You can file a Chapter 13 case. You cannot receive a discharge in chapter 7 until eight years from the prior filing.
    Answer Applies to: New Jersey
    Replied: 1/4/2016
    Novakov & Associates, PLLC
    Novakov & Associates, PLLC | LINDA S. NOVAKOV
    Chapter 7 Bankruptcy is allowable every 8 years. If you qualify for a Chapter 13, you might be able to file for a Chapter 13, and when the 8 year date has passed, convert to a Chapter 7 if you need to do that.
    Answer Applies to: Kentucky
    Replied: 1/4/2016
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