How long do I have to wait before I can file for bankruptcy again?

The length of time you have to wait before filing for bankruptcy again depends on the type of bankruptcy you filed for in the first place. If you previously filed for Chapter 7 bankruptcy, then you have to wait 8 years from the date you initially filed before you can file for Chapter 7 bankruptcy again. However, you may be able to file for Chapter 13 bankruptcy in a shorter timeframe. Generally speaking, if you filed 3 years ago, then you should be able to file for Chapter 13 bankruptcy. If you previously filed for Chapter 13 bankruptcy, then you must wait 6 years from the date you initially filed before you can file for Chapter 7 bankruptcy. However, you can file for Chapter 13 bankruptcy in a much shorter timeframe, usually 2-4 years after filing. In California, there are additional waiting periods that you must consider. Prior to filing your bankruptcy petition, you must complete a credit counseling course approved by the US Trustee’s office. You also need to pass a financial management course prior to getting your bankruptcy discharge. You must wait 180 days after completing this course before filing your bankruptcy petition. Overall, the waiting period before filing for bankruptcy again may vary and depends on a variety of factors. It is important to speak to a qualified bankruptcy attorney for the most up-to-date advice on the waiting period and to make sure you understand the consequences of bankruptcy filing.

Related FAQs

How do I know if I qualify for a Chapter 13 bankruptcy?
What is a reaffirmation agreement?
What is the bankruptcy automatic stay?
What is the role of the bankruptcy judge?
Is there a limit to the amount of debt I can have when filing for bankruptcy?
Are there any assets that I will not be able to keep in bankruptcy?
Do I need to list all of my debts when filing for bankruptcy?
Can I keep my car when filing for bankruptcy?
Are there any special provisions for filing for bankruptcy as a business?
Is there a deadline for filing for bankruptcy?

How long do I have to wait before I can file for bankruptcy again?

Related FAQs

Related Blog Posts