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Phone: (816) 842-6200
Castle Law Office

Can You File for Bankruptcy More Than Once?

Filing Bankruptcy Multiple Times

Our office often gets calls from people who’ve had a string of bad luck – overwhelming medical bills, job loss or divorce. They have already declared bankruptcy once and want to know what their options are for a second bankruptcy.

If you have recently received a bankruptcy discharge, you cannot receive another discharge of debt under the same chapter of bankruptcy for a certain period of time. In other words, if you received a Chapter 7 discharge, you have to wait eight years from the date the case was filed before you can file Chapter 7 again.

However, if you want to file under a different chapter than your original discharge, you can do so with some limitations. If your first bankruptcy was a Chapter 13, then you have to wait six years to file a Chapter 7. If your first bankruptcy was a Chapter 7, then you have to wait four years from when that case was filed to file a Chapter 13.

These types of cases can be very complicated, and you need an experienced bankruptcy attorney on your side. Call us today at 816-842-6200 to speak with an attorney. Or you can email us and schedule your free consultation.


Jason C. Amerine
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President and Owner, Castle Law Office of Kansas City
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