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.