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

In Texas, the amount of time you have to wait before you can file for bankruptcy again depends on the type of bankruptcy you previously filed. If you previously filed for Chapter 7 bankruptcy, you must wait 8 years before you can file for it again. If you filed for a Chapter 13 bankruptcy, you must wait 6 years. In addition, some creditors may require you to wait up to 10 years before they will consider approving you for a loan. In some cases, if you previously filed for bankruptcy but have since paid some or all of your debt, you may be able to file for bankruptcy sooner. This is known as a "hardship discharge" and requires you to demonstrate to the court that you have had an unexpected change in circumstances that has made your debt unmanageable. If your hardship discharge is granted, you may be able to file for bankruptcy after only 2-4 years. It is important to note that bankruptcy laws vary from state to state, so make sure to check with a qualified bankruptcy attorney before filing for bankruptcy in Texas. They will be able to provide you with more specific information about how long you have to wait before you can file for bankruptcy again in your state.

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

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