Our Kansas City bankruptcy law firm often gets calls from people or families who have had a string of bad luck – whether it's due to overwhelming medical bills, job loss or divorce. A lot of times, they have already declared bankruptcy once and want to know "can you file bankruptcy twice?" While the short answer is yes, it's a little more complicated than it may appear on the surface.
It Has to Be a Different Chapter of Bankruptcy, Or You'll Have to Wait!
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 bankruptcy again.
Filing Under a Different Bankruptcy Chapter Does Have Some (Confusing) Limitations
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 bankruptcy.
Contact Our Experienced Kansas City Bankruptcy Law Firm to Discuss Your Options
These types of cases can be very complicated, and you need an experienced Kansas City bankruptcy law firm on your side to not only help you understand the different options you have available, but to help make sure you file correctly. Call us today at 816-842-6200 or fill out the contact form on our website to schedule a free, no-cost case evaluation with a member of our Kansas City bankruptcy law firm today!