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How often can you file for bankruptcy?

There are many different financial situations in life that can lead a person to consider filing for bankruptcy in the Tampa area. However, bankruptcy is a serious matter and it should never be entered into lightly. That being said, sometimes people have no other choice than to file for bankruptcy. Some people even have to file for bankruptcy more than once, but are there limits on how often you can file?

There are several rules and limitations to keep in mind when filing for bankruptcy. Those regulations will also differ depending on which kind of bankruptcy you file. According to BankRate.com, you cannot file Chapter 7 bankruptcy and receive a bankruptcy discharge more than once within an eight-year period. However, you can file for Chapter 13 bankruptcy if it has been at least four years since your Chapter 7 filing.

On the other hand, you can file a Chapter 13 bankruptcy two years after your first Chapter 13 filing. However, most Chapter 13 cases are not settled for at least three years so it may take longer for you to receive another discharge if you file again. Meanwhile, if you have received a Chapter 13 discharge, then you must wait at least six years before you can file for a Chapter 7 bankruptcy.

If you have never filed for bankruptcy then obviously you are eligible to file anytime you wish. If you have filed for bankruptcy previously then you will need to weigh your options to see if filing for a different type earlier is better for you.

This information, while it may be useful, should not be considered as legal advice.

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  • "When I first came to the decision to file for bankruptcy, I had no idea where to start. I began researching attorneys on the internet and came across the information for Tim Sierra. Since he specialized in bankruptcy and had a lot of experience......"
  • The process of going through bankruptcy could be very overwhelming but Tim made me feel at ease and I felt that my needs were being taken care of. I truly feel that he had my best interests in mind and the lines of communication were always open....
  • "I had to file a Chapter 7 bankruptcy. I didn't know anyone who could refer someone so I took a chance and just looked on the Internet. I don't remember exactly why I chose Mr. Sierra, but I am glad I did..."
  • He was honest, straightforward, and hard-working. In my case I ended up with some extenuating circumstances and he handled the matter professionally even though I'm sure the work probably exceeded what he originally felt it would be....
  • I don't ever write reviews, and I had no prior relationship with Mr. Sierra. This review is simply being written as a service to others that Mr. Sierra is an excellent attorney and should be considered for your needs if you need one....
  • "I'm very happy to have been referred to Tim for my Chapter 7 filing. He was knowledgeable in his field and very responsive in replying to any questions or concerns I had. Tim was also very accommodating with meeting times..."
  • " I recently was in need of Mr. Sierra's services and I found him to be very understanding and helpful in my particular circumstance. He met with me and explained everything in full detail and also answered every question that I had....."
  • " I recommend Timothy Sierra a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy."
  • " Bankruptcy is a private and personally devastating life event. Timothy Sierra and his assistant, Nancy, made the process as painless as possible. They kept in close contact via phone and email so I always knew what was happening in my case...."
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