You can file for bankruptcy twice or even three times, even if you have received a discharge. The key is that you will often have to wait a certain period after you have filed and have received a discharge, to file for bankruptcy again and get a full discharge.

How long can you claim bankruptcy?

Let’s Summarize… In short, you can file more than one bankruptcy in a lifetime. How many times depends on how long it’s been since your last bankruptcy case. If you previously filed a Chapter 7 bankruptcy and want to file Chapter 7 again, the time period is eight years from when you last filed.

How often can you file bankruptcy under the same chapter?

Filing Under the Same Bankruptcy Chapter: Chapter 7 and Chapter 13. Here are the timeframes if you plan to file the same bankruptcy chapter that you filed the first time: You’ll have to wait eight years after the filing date of the first Chapter 7 case before filing the second case.

How long do you have to wait to file Chapter 11 bankruptcy?

Following a Chapter 7 or 11 discharge, you must wait eight years before filing. If you previously filed a Chapter 12 of 13, however, you must only wait six years after discharge. As these chapters don’t impose a waiting time requirement between discharges, you can file for Chapter 11 or 12 at any time following a prior discharge.

What happens if you file bankruptcy for the first time?

The court dismissed the first case: Unless the court orders otherwise, you can file again. A 180-day waiting period may apply if you failed to obey a court order or appear in the case, or you voluntarily dismissed the case after a creditor filed a motion for relief from the bankruptcy stay.

How often can you refile a Chapter 7 bankruptcy?

Typically in this case, unless there is a court order that prohibits you from filing again, you can usually refile your Chapter 7 bankruptcy immediately. In short, you can file more than one bankruptcy in a lifetime.