How often can I receive a bankruptcy discharge?

In Washington, the frequency with which an individual can receive a bankruptcy discharge depends on the bankruptcy type. Generally, most people filing for bankruptcy can receive a bankruptcy discharge once every 8 years if filing for Chapter 7 bankruptcy. For Chapter 13 bankruptcy filers in Washington, a discharge is available within 6 years of their last discharge. However, if a Chapter 13 case is dismissed or converted to a Chapter 7 case, a person may be able to get a discharge sooner. In addition, Washington residents can receive a bankruptcy discharge in certain circumstances even if they have not waited the full 8 or 6 years. When filing for a second or subsequent bankruptcy, a person can receive a bankruptcy discharge even if the previous case was dismissed without a discharge. However, to receive a discharge in this situation, the debtor must wait at least 180 days from the dismissal of the previous bankruptcy case. In Washington, bankruptcy can provide debtors with a fresh start, but it is important to remember that bankruptcy is not a perfect solution. Bankruptcies will remain on the debtor’s credit report for up to 10 years, and creditors are likely to still consider the outcome of any bankruptcy filing when making decisions about granting future credit.

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How often can I receive a bankruptcy discharge?

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