How many times can you file for bankruptcy? 19 Answers as of June 10, 2011

How many times can you file for bankruptcy?

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The Law Office of Mark J. Markus
The Law Office of Mark J. Markus | Mark Markus
There is no limit to how many times you can file for bankruptcy, but there are limits on how much time must pass between bankruptcies in order to obtain a discharge of debts. This varies by chapter, so it's difficult to answer your question without more specifics.
Answer Applies to: California
Replied: 6/10/2011
Burnham & Associates
Burnham & Associates | Stephanie K. Burnham
Based on the average lifespan of 85 years old, and the fact that you cannot obtain credit until age 18, and figuring it would take at least a year or two from age 18 to be in such debt that you would have to file Bankruptcy, plus it takes a good six months foe discharge to occur: it appears that there is sufficient time to file 7 Chapter 7 Bankruptcies in a lifetime.
Answer Applies to: New Hampshire
Replied: 6/10/2011
Uriarte & Wood, Attorneys at Law
Uriarte & Wood, Attorneys at Law | Robert G. Uriarte
Once every 8 years.
Answer Applies to: California
Replied: 6/10/2011
Daniel Hoarfrost, Attorney at Law
Daniel Hoarfrost, Attorney at Law | Daniel Hoarfrost
If you file for Ch 7, you can't file another one for 8 years.Other than that, there's no limitation on the number of filings.
Answer Applies to: Oregon
Replied: 6/10/2011
Janet A. Lawson Bankruptcy Attorney
Janet A. Lawson Bankruptcy Attorney | Janet Lawson
It is 8 years between Chapter 7's. You can do a Chapter 13 sooner, and you can do a Chapter 13 in 2 years after a 7 if you paid 100% in the Chapter 13.
Answer Applies to: California
Replied: 6/10/2011
    Mercado & Hartung, PLLC
    Mercado & Hartung, PLLC | Christopher J. Mercado
    Time between Discharges: Ch 7 - Ch 7: 8yrs Ch 7 - Ch 13: 4yrs Ch 13 - Ch 7: 6yrs Ch 13 - Ch 13: 2yrs Ch 11 - Ch 7: 8yrs Ch 11 - Ch 13: 4yrs
    Answer Applies to: Washington
    Replied: 6/10/2011
    Jackson White, PC
    Jackson White, PC | Spencer Hale
    You can file for bankruptcy as many times as you want. However there is a restriction as to how long you have to wait between filings. For instance you must wait 8 years to file a chapter 7 if you previously received a discharge in a prior 7.
    Answer Applies to: Arizona
    Replied: 6/10/2011
    Law Offices of Joseph A. Mannis
    Law Offices of Joseph A. Mannis | Todd Mannis
    If you're talking about a Chapter 7, you can only do it every eight years.
    Answer Applies to: California
    Replied: 6/10/2011
    Law Office of Maureen O' Malley
    Law Office of Maureen O' Malley | Maureen O'Malley
    As many times as necessary, as long as the time requirements between filings are met. Be aware that excess filings may be determined to be abusive.
    Answer Applies to: Virginia
    Replied: 6/10/2011
    The Law Offices of Alan M. Laskin
    The Law Offices of Alan M. Laskin | Jared B. Gaynor
    There is no limit of the amount of time anyone can file for bankruptcy protection; however there are limits as to how often you may receive a discharge.
    Answer Applies to: California
    Replied: 6/10/2011
    Lakelaw - Loop Bankruptcy
    Lakelaw - Loop Bankruptcy | David Leibowitz
    You can file bankruptcy more than once. However, you must be eligible each time. There's an 8 year waiting period, for example from the time you file a chapter 7 case until you can file another one.
    Answer Applies to: Illinois
    Replied: 6/10/2011
    Indianapolis Bankruptcy Law Office of Eric C. Lewis
    Indianapolis Bankruptcy Law Office of Eric C. Lewis | Eric Lewis
    One can file a Chapter 7 bankruptcy once every eight years if such filing is done in good faith and without fraud.
    Answer Applies to: Indiana
    Replied: 6/9/2011
    Bankruptcy Law office of Bill Rubendall
    Bankruptcy Law office of Bill Rubendall | William M. Rubendall
    You cannot have a discharge in a second chapter 7 if you have one within the past eight years. You may be eligible for Chapter 13 in less time. Consult the State Bar for a referral of a certified specialist in bankruptcy law.
    Answer Applies to: California
    Replied: 6/9/2011
    Law Office of L. Paul Zahn
    Law Office of L. Paul Zahn | Paul Zahn
    As many times as you need to, but no sooner than once every 8 years for a chapter 7 bankruptcy. If you are in my area and are looking for an attorney, please contact me for a free consultation.
    Answer Applies to: California
    Replied: 6/9/2011
    Symmes Law Group, PLLC
    Symmes Law Group, PLLC | Richard James Symmes
    There is no limit to how many times you may file bankruptcy, however you may only file a chapter 7 after 8 years have passed since originally filing for chapter 7 or 4 years have passed since filing for chapter 13 bankruptcy.
    Answer Applies to: Washington
    Replied: 6/9/2011
    Ursula G. Barrios Law
    Ursula G. Barrios Law | Guillermo Machado
    Chapter 7 every 8 years.
    Answer Applies to: California
    Replied: 6/9/2011
    Ashman Law Office
    Ashman Law Office | Glen Edward Ashman
    Countless times unless a court orders otherwise. There are limits as to how close together they can be, and whether successive filings stop creditors.
    Answer Applies to: Georgia
    Replied: 6/9/2011
    Carballo Law Offices
    Carballo Law Offices | Tony E. Carballo
    You can only get a Chapter 7 discharge every eight years. It would make no sense to file a Chapter 7 bankruptcy in which you cannot get a discharge. Chapter 13 is available for people who need to pay debts in a payment plan to save a home from foreclosure or pay back taxes or other non-dischargeable debts. You can file a Chapter 13 case and obtain a discharge four years after having filed a Chapter 7 case in which you were granted a discharge.
    Answer Applies to: California
    Replied: 6/9/2011
    The Schreiber Law Firm
    The Schreiber Law Firm | Jeffrey D. Schreiber
    For Chapter 7 cases, every 8 years.
    Answer Applies to: California
    Replied: 6/9/2011
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