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

In Indiana, there is a waiting period before you can file for bankruptcy again. The amount of time you have to wait will depend on the type of bankruptcy you are filing. If you previously filed a Chapter 7 bankruptcy, you must wait eight years from the date of your previous filing before you can file a new Chapter 7 petition. The same is true for a Chapter 13 bankruptcy as you must wait six years from the date of your previous filing before you can file a new Chapter 13 petition. It is important to note that if you receive a discharge in your previous bankruptcy case, you may not be able to file for bankruptcy again for a certain period of time. This period of time is known as the “look-back” period and is typically 4 years for a Chapter 7 and 2 years for a Chapter 13 petition. In addition, if you receive a discharge in your previous bankruptcy case, you must also attend credit counseling before you can file a new bankruptcy case. The counseling must be done within 180 days of the filing date of your new bankruptcy case. It is important to speak with a bankruptcy attorney to discuss your options and to determine if it is in your best interest to file for bankruptcy. An attorney can provide guidance and advice on the best course of action for you.

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

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