every eight years
Federal law determines how often you can file for bankruptcy and which of your debts can be discharged. For Chapter 7 bankruptcy, your debts can be discharged every eight years — as determined by the date your previous case was filed.

How soon can I refile for bankruptcy?

For Chapter 7 bankruptcy filings, you must wait eight years from the filing date of your previous petition. Filing prematurely before those eight years have expired, you will not be granted a discharge. The eight years start counting from the date the prior Chapter 7 bankruptcy was filed.

Can Chapter 7 take your house?

Most Chapter 7 bankruptcy filers can keep a home if they’re current on their mortgage payments and they don’t have much equity. However, it’s likely that a debtor will lose the home in a Chapter 7 bankruptcy if there’s significant equity that the trustee can use to pay creditors.

How long does it take to file bankruptcy in Missouri?

If you need Chapter 7 bankruptcy in Missouri because someone is garnishing your paycheck, don’t panic. The court can give you up to four months to pay the filing fee if you ask for an installment agreement.

Can you file Chapter 7 bankruptcy in Missouri for free?

Filing Chapter 7 in Missouri can be done completely for free that way. Your documents will be most helpful to you if you collect all of them before you start filling out the court forms.

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.

When to file Chapter 7 or Chapter 13 bankruptcy?

Chapter 13 before Chapter 7. If the court granted your first discharge under Chapter 13 bankruptcy, you’d need to wait six years (from the Chapter 13 bankruptcy filing date) before filing for a Chapter 7 discharge. You won’t have to wait that long, however, if you paid unsecured creditors in full in the Chapter 13 case, or,…