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
Connect with me
President and Owner, Castle Law Office of Kansas City