I Filed Bankruptcy In The Past. Can I File Another Bankruptcy?

Yes, but to receive a discharge of your debts in your second bankruptcy a certain amount of time must have passed.  The time required between bankruptcy filings to receive a discharge typically runs from the date of filing of your previous bankruptcy to the date of the filing of the new bankruptcy.  There are exceptions to these rules, but generally:

  • The time between successive Chapter 7 bankruptcies is 8 years, from the filing date in the first case.

  • The time between successive Chapter 13 bankruptcies is 2 years, from the filing date in the first case.

  • The time between a Chapter 13 followed by a Chapter 7 bankruptcy is 6 years, from the filing date in the first case.

  • The time between a Chapter 7 followed by a Chapter 13 bankruptcy is 4 years, from the filing date in the first case.

If your first bankruptcy was dismissed without prejudice prior to discharge, you may not have to wait at all depending on the specific facts of your situation.

If you are struggling with your finances and need to eliminate your debts, bankruptcy may offer the relief you seek.  I recommend using a qualified Fort Worth bankruptcy attorney.  As an experienced and dedicated Fort Worth bankruptcy attorney, I can offer advice on how to proceed based on your particular situation.  You and I can meet face to face to discuss your options.  I look forward to helping you become debt free.  To schedule a FREE consultation, please contact me at (817) 732-7590 or (972) 819-3861.  You can also send me an E-mail or complete the Free Case Evaluation.