How often can I file for bankruptcy?

In Texas, you can file for bankruptcy as often as you need to, however, some time limitations apply depending on the type of bankruptcy you are filing. If you are filing for a Chapter 7 bankruptcy, which is the most common type of bankruptcy, you cannot file again until 8 years have passed from the date of your previous filing. Chapter 13 bankruptcy requires a 2 year gap between filings. You can also file for Chapter 11 bankruptcy protection, however this type of filing is more geared towards businesses than individuals. Additionally, Chapter 12 bankruptcy is reserved for family farmers and fishermen with regular income. In most cases, the courts in Texas take a dim view of those filing for bankruptcy repeatedly. If you have a pattern of filing multiple bankruptcies within a short period of time, a court may reject your petition and not allow you to discharge your debts. If you are considering filing for bankruptcy, it is important to talk to an experienced bankruptcy lawyer to evaluate your financial situation. A qualified lawyer can help you determine if filing is the best course of action or if there are other options available to you.

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How often can I file for bankruptcy?

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