In most cases, you can’t file Chapter 7 bankruptcy twice within a short period. Whether you’re allowed depends mainly on how long it’s been since your last Chapter 7 discharge and whether you previously received a discharge.
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Answer
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Short answer
In most cases, you can’t file Chapter 7 bankruptcy twice within a short period. Whether you’re allowed depends mainly on how long it’s been since your last Chapter 7 discharge and whether you previously received a discharge.
Key timing rules (general)
Chapter 7 eligibility is limited by federal law. A common rule is that you must wait at least 8 years from the date of your prior Chapter 7 discharge before filing another Chapter 7 and receiving a discharge. If you filed Chapter 7 before but didn’t get a discharge (for example, the case was dismissed), the timing and eligibility can differ. Also, if you previously received a Chapter 13 discharge, there are separate waiting periods before you can get a Chapter 7 discharge.
What to do next
Because the details depend on your prior case dates and outcomes, it’s important to confirm your discharge date(s) and whether you received a discharge. Consider checking your bankruptcy paperwork or speaking with a qualified bankruptcy attorney or legal aid for a precise answer for your situation.
