While there’s no limit to how many times you can file bankruptcy, there is a limit on how often your bankruptcy can be discharged. The rules depend on a lot of factors, so it’s best to consult one of our qualified bankruptcy attorneys if you have any questions, but here are a few things to keep in mind:
- If you’ve already filed a Chapter 7 bankruptcy, you have to wait 8 years to file Chapter 7 again.
- If you’ve filed a Chapter 13 bankruptcy, you have to wait 2 years before you can file again.
- If you’ve filed a Chapter 7, but now want to file a Chapter 13, you usually need to wait 4 years.
- If you’ve filed a Chapter 13, but now want to file a Chapter 7, you usually need to wait 6 years.
The timing on these rules can be tricky, and there may be exceptions to the schedule. A bankruptcy lawyer can help you look at your goals and figure out how bankruptcy or another option might help you meet them. Contact our attorneys or call us at 901-327-2100 to talk about your unique situation.