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How Often Can You File For Bankruptcy

Lightning may never strike the same place twice, but financial misfortunes certainly can. Even if you’ve previously filed for bankruptcy and you’ve worked hard to turn your life around, you may once again find yourself being buried in debt you can’t pay. Perhaps a loved one suffered a major illness or required surgery that wasn’t covered by insurance. Whatever the reason is, there is hope for the future. You can file for bankruptcy as many times as you need to. However, there is a waiting period.


If you received a Chapter 7 discharge, you must wait eight years before filing for Chapter 7 again. Or, you can file for Chapter 13 after four years. If you received a Chapter 13 discharge, you must wait two years before filing for Chapter 13 again. Or, you can file for Chapter 7 after waiting six years. Note that in some cases, a bankruptcy court may restrict a person from filing for bankruptcy again for a specific time period if the previous case was dismissed with prejudice.


The bankruptcy attorneys at Cutler & Associates, Ltd. in Chicago provide personalized legal guidance for each client’s unique situation. Call our law office in Aurora at (847) 961-4572.