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

The length of time you need to wait before filing for bankruptcy again depends on the type of bankruptcy you file. If you file a Chapter 7 bankruptcy in Washington, you must wait 8 years from the filing date before you can file for Chapter 7 bankruptcy again. If you file a Chapter 13 bankruptcy, however, you may be able to file again in 4 years or even sooner if you’ve paid off the majority of your debts. In addition, if you have filed either a Chapter 7 or Chapter 13 bankruptcy and need to file a different type of bankruptcy, you may be able to do so sooner. It is important to consider the specifics and implications of filing for bankruptcy more than once before attempting it. Although filing for bankruptcy may be an effective way to eliminate debt, multiple filings will remain on your credit report for 10 years. Additionally, if you file for bankruptcy twice in a short period of time, creditors may view you as an unreliable borrower and deny future loan requests. Before filing for bankruptcy again, it is highly recommended that you seek the advice of a qualified bankruptcy lawyer who can assess your situation and provide you with the best course of action. They can help you weigh the costs and benefits of filing for bankruptcy and determine whether you can wait until the required waiting period has passed.

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

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