There are no express limits on the number of times you can file or when you can file. However, if you do not wait long enough, you may not be able to discharge all of your debts when you file for bankruptcy this time.
At Fox Law in Hendersonville, Tennessee, we can help you determine when is the right time to file for bankruptcy again. Our founding attorney, Eric K. Fox, has 18 years of experience helping clients who need to file for bankruptcy more than once. Whether this is your second or third bankruptcy filing, our legal team can provide you with the advice and support you need throughout the process.
When Can I File Again?
When you can file for bankruptcy again will depend on the type of bankruptcy you filed previously and the type of bankruptcy you are filing for now.
- If you previously filed for Chapter 7, you should wait eight years to discharge debt in Chapter 7 again
- If you previously filed for Chapter 7, you should wait four years to discharge debt in Chapter 13
- If you previously filed for Chapter 13, you should wait two years to discharge debt in Chapter 13 again
- If you previously filed for Chapter 13, you should wait six years to discharge debt in Chapter 7 if your unsecured creditors were paid less than 70 percent
- If you previously filed for Chapter 13, you do not need to wait to discharge debt in Chapter 7 if your unsecured creditors were paid more than 70 percent
We can help you determine the right time to file for bankruptcy again. If it is not appropriate at this time, we can help you find other debt relief solutions so you can get your life back on track.
Start With A Free Consultation
Call us today at (615) 264-5695 for a free consultation via phone, in-office, or video conference with experienced Bankruptcy Attorney Eric Fox.
We are located in Hendersonville, Tennessee and have been assisting residents all over Middle Tennessee for 18 years. Our office hours are Monday through Thursday from 8:00 a.m. to 5:00 p.m., Fridays 8:00 a.m. to 3:30 p.m., with evening and weekend appointments available upon request.
We are here to help you.
