How long between bankruptcies can a person refile for bankruptcy? 26 Answers as of May 16, 2013

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Indianapolis Bankruptcy Law Office of Eric C. Lewis
Indianapolis Bankruptcy Law Office of Eric C. Lewis | Eric Lewis
8 years between chapter 7 filings.
Answer Applies to: Indiana
Replied: 5/16/2013
Weber & Phillips, P.A.
Weber & Phillips, P.A. | John G. Phillips
If your last bankruptcy was a Chapter 7, from the date of the filing of the prior case, you must wait 4 years to file a Chapter 13 or 8 years to file a Chapter 7. If your prior case was a Chapter 13, you can file a Chapter 7 six years from the date of the filing of the prior case. The timing regarding when you can file a Chapter 13 after a prior Chapter 13 may very by interpretation in different Circuits. In Arkansas, essentially, you can file a Chapter 13 at any point after the filing of a prior case.
Answer Applies to: Arkansas
Replied: 5/16/2013
Law Office of D.L. Drain, P.A.
Law Office of D.L. Drain, P.A. | Diane L. Drain
It depends on the type of bankruptcy. The time frame is 8 years between the filing of a chapter 7 and the filing of a new chapter 7. There are other time frames in chapter 13 cases. Please understand that bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step.
Answer Applies to: Arizona
Replied: 5/16/2013
Philip R. Boardman, Attorney at Law
Philip R. Boardman, Attorney at Law | Phil Boardman
Two chapter 7's back to back have to have 8 years between filing dates.
Answer Applies to: Virginia
Replied: 5/16/2013
Law Office of Robert Sisson | Robert Sisson
8 yrs from date of discharge.
Answer Applies to: Wisconsin
Replied: 5/16/2013
    Law Offices of David A. Tilem | Michael Avanesian
    If you want a discharge, 8 years between Chapter 7 bankruptcies. Less if you mix in Chapter 13 etc.
    Answer Applies to: California
    Replied: 5/16/2013
    Idaho Bankruptcy Law | Paul Ross
    You can file at any time between bankruptcies, the only question is whether or not you wish to have a discharge of your debts. There are different timelines between each type of bankruptcy. But the one most people are asking about is the 8 years between Chapter 7 filings.
    Answer Applies to: Idaho
    Replied: 5/15/2013
    Portland Bankruptcy Law Group
    Portland Bankruptcy Law Group | Christopher J. Kane
    Here are the rules for filing successive bankruptcy cases, when you received a discharge in a prior case: Prior Chapter 7 - must wait 8 years from the date of filing to file Chapter 7, and 4 years to file Chapter 13 Prior Chapter 13 - must wait 6 years from the date of filing to file Chapter 7, unless in the Chapter 13 you paid 100% of the unsecured claims filed, or the plan was proposed by you "in good faith" and was your "best effort". Must wait 2 years from the date of filing to file another Chapter 13.
    Answer Applies to: Oregon
    Replied: 5/15/2013
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    If the prior case was a Chapter 7, eight years to file another Chapter 7 and four years to file a Chapter 13 in order to be able to receive a discharge.
    Answer Applies to: California
    Replied: 5/15/2013
    Moffa & Bonacquisti, P.A.
    Moffa & Bonacquisti, P.A. | John A. Moffa
    It varies on what Chapter was filed before and what Chapter is now contemplated.
    Answer Applies to: Florida
    Replied: 5/15/2013
    Rosenberg & Press
    Rosenberg & Press | Max L. Rosenberg
    One can get a discharge in Chapter 7 bankruptcy once every 8 years.
    Answer Applies to: Connecticut
    Replied: 5/15/2013
    Law Office of Barry R. Levine | Barry R. Levine, Esq.
    8 years.
    Answer Applies to: Massachusetts
    Replied: 5/15/2013
    Law Offices of Bill N. Jacob
    Law Offices of Bill N. Jacob | Bill N. Jacob
    You can get a chapter 7 discharge once every 8 years and can file a 13 after 4 years from a chapter 7 discharge.
    Answer Applies to: Massachusetts
    Replied: 5/15/2013
    KHANG & KHANG LLP | Joon Khang
    You can receive a discharge in bankruptcy once every 8 years.
    Answer Applies to: California
    Replied: 5/15/2013
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    8 years between chapter 7's.
    Answer Applies to: California
    Replied: 5/15/2013
    Deborah F Bowinski, Attorney & Counselor at Law | Debby Bowinski
    If you filed a chapter 7 case and received a discharge you are not eligible to file another chapter 7 case until eight years have passed from the first filing date.
    Answer Applies to: Colorado
    Replied: 5/15/2013
    Morris Campbell LLC | W. Erin Morris-Campbell
    You can file at any time. The question is whether you will get a discharge. If you previously filed a Chapter 7, you should wait at least 8 years from your first petition date before you file another Chapter 7 or 4 years for a Chapter 13. If you need to file a Chapter 7 bankruptcy after you received a Chapter 13 discharge, you need to wait 6 years from the date you filed the Chapter 13 in order to receive a Chapter 7 discharge.
    Answer Applies to: Illinois
    Replied: 5/15/2013
    Granger Law Firm
    Granger Law Firm | Katharine Granger
    If you have previously filed a Chapter 7 bankruptcy, you can refile another Chapter 7 bankruptcy after 8 years. If you cannot wait the 8 years, then you can file a Chapter 13 bankruptcy after 6 years.
    Answer Applies to: Ohio
    Replied: 5/15/2013
    Moore Taylor Law Firm, P.A.
    Moore Taylor Law Firm, P.A. | Jane Downey
    It depends on the chapters.
    Answer Applies to: South Carolina
    Replied: 5/15/2013
    Law Office of Michael Johnson
    Law Office of Michael Johnson | Michael Johnson
    Depends on the chapter of bankruptcy. It can vary from 4 years to 8 years. You should consult with an attorney.
    Answer Applies to: Florida
    Replied: 5/15/2013
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