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

In North Carolina, if you have previously filed for bankruptcy, you must wait a certain amount of time before you can file again. This timeline depends on the type of bankruptcy you previously filed. For Chapter 7 bankruptcies, you must wait eight years before you can file another. Chapter 13 bankruptcies have less of a waiting time, at only two years. If your previous bankruptcy was dismissed, there may be different time limits assigned. A bankruptcy dismissal occurs when a judge decides not to discharge your debts. If your case is dismissed without prejudice, you can file for bankruptcy again immediately. However, if your case is dismissed with prejudice, you may have to wait longer. It’s important to note that filing for bankruptcy is a serious decision with long-term effects. If you’ve recently gone through a bankruptcy, make sure to consider all of your financial options and debt relief options before filing again. A financial advisor or attorney who specializes in bankruptcy law can help you decide if bankruptcy is the right choice for you.

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

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