You can file bankruptcy again, but it’s complicated

By: Darrell Castle

If you’ve filed and gone through the bankruptcy process before, but you ended up back in debt and want to file again, then you can! However, you may have to wait.


Depending on which chapter you originally filed, 7 or 13, and which chapter you’re looking to currently file, the amount of time you have to wait can be anywhere from zero to eight years. There are also different rules and exceptions for different situations, so my best advice for you would be to speak to an experienced bankruptcy attorney about your options.

At Darrell Castle & Associates, we’ve practiced bankruptcy law for decades and we’re pretty good at it. We care about the clients and want to do what’s best for them. That’s one of the reasons we’ve received multiple Client Distinction Awards from Martindale-Hubbel for client satisfaction.

Because we want what’s best for our clients, we want to provide them with the tools to succeed after a bankruptcy – not end up back in debt. That’s why we offer you free access (if you’re a client) to our online credit restoration program, 7 Steps to a 720. This program provides you with the tips and tricks the banks don’t want you to know in regards to re-establishing and rebuilding your credit after a bankruptcy.

However, we know things happen that can lead you back into debt sometimes, and we want to be there to help you recover.

So, if you’re considering filing – or re-filing – for bankruptcy, we’d love to talk to you. Call (901) 327-2100 to schedule your free consultation, or fill out one of the contact forms on this page to have someone call you.