How many times can you file bankruptcy and will it be easy? 16 Answers as of October 16, 2014

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EDWARD P RUSSELL | EDWARD P RUSSELL
You cannot obtain a discharge in Ch 7 if you obtained a Ch 7 discharge within 8 years of filing or if you obtained a Ch 13 discharge within 6 years of filing.
Answer Applies to: Minnesota
Replied: 10/16/2014
Law Office of Susan G. Taylor
Law Office of Susan G. Taylor | Susan G. Taylor
Chapter 7 once every 8 years; chapter 13 repeatedly, or at least until a judge limits you.
Answer Applies to: Texas
Replied: 10/15/2014
The Law Office of Darren Aronow, PC
The Law Office of Darren Aronow, PC | Darren Aronow
You can file chapter 7 every 8 years and the difficulty generally depends on if you have assets or not.
Answer Applies to: New York
Replied: 10/15/2014
Rhymer Law Firm
Rhymer Law Firm | William Rhymer
There is no set number. I have a web article about refiling.
Answer Applies to: Georgia
Replied: 10/14/2014
GARCIA & GONZALES, P.C.
GARCIA & GONZALES, P.C. | Richard N. Gonzales
You can file a Chapter 7 once every eight years. You can file a Chapter 13 sooner. It is a bit complicated. I would pay a lawyer for one hour of their time and do this right!
Answer Applies to: Colorado
Replied: 10/14/2014
    Freeman Law Group, LLC
    Freeman Law Group, LLC | Derek Freeman
    You can file a bankruptcy 8 years after receiving a chapter 7 discharge, or 6 years after filing a chapter 13 case. As for whether it will be easy, that depends on how familiar you are with bankruptcy law. You don't sound very knowledgeable of it, so it will probably be very difficult for you. That is why there are lawyers who represent people in bankruptcy. You should contact one.
    Answer Applies to: Colorado
    Replied: 10/14/2014
    Janet A. Lawson Bankruptcy Attorney
    Janet A. Lawson Bankruptcy Attorney | Janet Lawson
    This questions is to broad for me to answer. See local counsel. Initial consultations are generally free.
    Answer Applies to: California
    Replied: 10/14/2014
    D.J. Rausa, Attorney at Law | D.J. Rausa
    I would have to know your history to be able to respond. What chapter? When? Were the cases discharged? etc.
    Answer Applies to: California
    Replied: 10/14/2014
    Ronald K. Nims LLC | Ronald K. Nims
    You can file a Chapter 7 after 8 years from a previous Chapter 7 or 4 years from a previous Chapter 13.
    Answer Applies to: Ohio
    Replied: 10/14/2014
    Patrick W. Currin, Attorney at Law | Patrick Currin
    There is no limit, but there are times between which you cannot obtain a discharge.
    Answer Applies to: California
    Replied: 10/14/2014
    Danville Law Group | Scott Jordan
    There is no limit on the number of times a person can file bankruptcy during their lifetime. However, there are limits as to how often one can file. It is difficult to say whether filing your bankruptcy will be easy. If you fall behind on your mortgage payments, you need to discuss with an attorney regarding your options and whether bankruptcy would of any use to you.
    Answer Applies to: California
    Replied: 10/13/2014
    Mauritz Van Niekerk, Attorneys at Law
    Mauritz Van Niekerk, Attorneys at Law | Christiaan van Niekerk
    Ch 7 every 8 years if you are in NY.
    Answer Applies to: New York
    Replied: 10/13/2014
    Rosenberg & Press
    Rosenberg & Press | Max L. Rosenberg
    You can file bankruptcy successfully as many times as federal law allows which currently is not more often than every 8 years. That is for Chapter 7 only.? Its an incredibly complex and difficult process that is not even remotely easy to do on your own. You need an experienced bankruptcy attorney who knows the state and federal exemption laws and works with them daily.
    Answer Applies to: Connecticut
    Replied: 10/13/2014
    A Fresh Start
    A Fresh Start | Dorothy G Bunce
    Bankruptcy law does not impose a limit to the number of times a person can file. The ability to obtain a discharge in a Chapter 7 is restricted to once every 8 years. If a case is filed and no discharge is awarded, it is possible that the court could restrict a debtor from being eligible to file again for a certain period of time if the court decides prior filings were not in good faith.
    Answer Applies to: Nevada
    Replied: 10/13/2014
    Law Offices of Daniel J Winter
    Law Offices of Daniel J Winter | Daniel J Winter
    It's not the number of times that matters. You can only file Chapter 7 if your last Chapter 7 was 8 years ago or more. Call a lawyer now to discuss your options. You can file Chapter 13 (payment plan) if you can't file Chapter 7 yet.
    Answer Applies to: Illinois
    Replied: 10/13/2014
    LAW OFFICE OF RALPH L. WILLIAMS
    LAW OFFICE OF RALPH L. WILLIAMS | RALPH L. WILLIAMS
    You can file a Chapter 7 Bankruptcy and obtain a discharge every 8 years.
    Answer Applies to: California
    Replied: 10/13/2014
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