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

It depends on what type of bankruptcy you are filing. In Delaware, if you have filed for Chapter 7 bankruptcy, you must wait eight years before you can file again. If you’ve filed for Chapter 13 bankruptcy, you must wait two years. If you file for a Chapter 7 bankruptcy and later want to file for a Chapter 13, you must wait four years. When you file for bankruptcy, it is important to complete a credit counseling course. You must submit a certificate of completion of your credit counseling to the court. You may also be required to complete a budgeting and debt education course. In Delaware, you do not have to wait to re-file for bankruptcy if your previous bankruptcy case was dismissed. However, you must wait 30 days from the date of dismissal in order to file for bankruptcy again. If you are eligible to file for bankruptcy again, you must complete a bankruptcy application and file it with the court. You will also be required to provide documents such as a list of your creditors, a list of your assets and liabilities, and financial records such as your IRS tax return and paycheck stubs. Finally, you must attend a court hearing before your bankruptcy case is finalized and your debts are discharged. After your bankruptcy case is discharged, you can start rebuilding your credit.

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

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