How Often Can I File for Bankruptcy?

If you are experiencing financial problems, you may be wondering how often you can file for bankruptcy. The short answer is, it depends if you received a discharge in a prior bankruptcy. If your debts were not discharged, you can file as many times as you like. However, if you received a prior discharge, revisions to the bankruptcy code in 2005 set strict limits on when you can reapply. You can file for bankruptcy two or more times if you allow the required time to lapse between filings. The amount of time depends on what chapter you filed in your prior bankruptcies.

To re-file after receiving a Chapter 7 discharge:

To re-file after receiving a Chapter 13 discharge:

The waiting time is counted starting from the date of your prior filing, not the discharge date.  

The Atlanta, GA bankruptcy attorneys at DebtStoppers help clients evaluate their debt options in order to make informed decisions. Contact their office today at 404-796-7161 to schedule a free initial appointment and take the first step to financial freedom. 

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