Can I File for Bankruptcy a Second Time?

Taking the step to file for bankruptcy one time is difficult enough for many people. Unfortunately, those who have made the responsible decision to do so may find themselves with large amounts of debt again later in life and, as such, wondering what their options are. Fortunately, you can file for bankruptcy more than once in the United States, giving you the chance at rebuilding your credit score and starting over again.

Filing for bankruptcy a second time can be complicated, and you deserve a knowledgeable legal professional advising you. To learn more about filing for bankruptcy a second time, contact a Raleigh bankruptcy lawyer from the Bradford Law Offices, PLLC, today at 919-758-8879.

Time Restrictions for Bankruptcy Filings

Although there are no limits on the number of times you can file for bankruptcy, you must wait a specific number of years between filings. These time limits vary depending on what chapter you filed for in the past and what chapter you plan on filing. The time limits include the following:

  • Eight years between consecutive Chapter 7 bankruptcy filings
  • Six years between a Chapter 13 and Chapter 7 bankruptcy filing
  • Four years between Chapter 7 and Chapter 13 filing
  • Two years between consecutive Chapter 13 bankruptcy filings

If you aren’t sure if you are eligible or want to discuss a second bankruptcy filing in more detail, speak with a qualified attorney today.

Contact Us

For more information about these time restrictions and how they apply to your case, contact a Raleigh bankruptcy attorney of the Bradford Law Offices, PLLC, at 919-758-8879 today and schedule a free consultation.