How Many Years Must You Wait Before Filing For Bankruptcy A Second Time?

14 Answers

James SMith Profile
James SMith answered
You have to wait seven years before you can file again.
Anonymous Profile
Anonymous answered
In the US, you can file for Chapter 7 bankruptcy again after six years has passed from the date of your last filing. You can file for a Chapter 13 bankruptcy can be filed any time.
DOROTHY BLACK Profile
DOROTHY BLACK answered
You have to go a period of seven years before you can file bankruptcy again for the second time.
Anonymous Profile
Anonymous answered
We filed in 2001 and filing again in 2009 that is 8 years but our discharge was in august 2001 and we filed may 2009
Anonymous Profile
Anonymous answered
Most states have modified the length of time from seven to eight years for a chapter 7.   Check with your state first.
mary sanchez Profile
mary sanchez answered
In California if you do a Ch.7 you have to wait 7 years, but if you do a 13, which is you pay back so much on the dollar you owe, what we did was after 3 years we were going to modify it (put something in) and then stop one and refile another one. Trustee gives you a letter stating one is dismissed before starting the other one.
Anonymous Profile
Anonymous answered
In minnesota how many years must you wait before your able to file again in sept 2005 I filed chapter 7 but repayed all my debt and requested to the court to dismiss the bankruptcy they refused.
Can this be changed to a chapter13 and can I now file a chapter 7 if I wanted to with new debt
Charles  Bosse Profile
Charles Bosse answered

In most countries including Australia, the Bankruptcy process can take up to 7 years depending on what type of bankruptcy you are filing and your capability to settle debts. As long as your first bankruptcy is finish and discharge, you are always welcome to file one as long as the bankruptcy court approved.

Anonymous Profile
Anonymous answered
I filed bankruptcy almost 6 years ago can I file again now or do I have to wait until 7 years has past?
Anonymous Profile
Anonymous answered
I have hospital bills now estimating at thirty thousand> I filed bankruptcy about six years ago.  How long to wait before I fill again.
Anonymous Profile
Anonymous answered
We filed in 2000 a chapter 7 and now we are filing we want to reaffirm house we bought for 269900.00 in 2008 and owe 258000.00 but used our homestead exemption when filled before can we reaffirm our house?
Anonymous Profile
Anonymous answered
I filed in 2005 chapter 7 and am in need of filing again I live in new york how many years do I have to wait to file again? I live on social security and own nothing.
Tabitha Huard Profile
Tabitha Huard answered
I live in Ohio and my parents had filed bankruptcy and they were told that if needed you wouldn't be able to file again for seven years.

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