How Often Can You File Bankruptcy?

The Law Offices of Chang and Carlin guide individuals and families through their financial struggles, helping them make a fresh start through Chapter 13 or Chapter 7 bankruptcy in Chicago. Chang and Carlin, LLP’s bankruptcy lawyers in Chicago can help you get the immediate debt protection you need and help you get out of debt.

If you have previously filed for Chapter 7 or Chapter 13 bankruptcy in Chicago and you received a discharge, the Bankruptcy Code specifies certain time limits as to when you can file bankruptcy again and obtain a discharge.  Let’s have a look.

If you received a discharge in a Chapter 7 Bankruptcy

• Filing a Chapter 7 Bankruptcy: You will not be able to receive another chapter 7 discharge until 8 years have passed from the filing date of your previous case.
• Filing a Chapter 13 Bankruptcy: You will not be able to receive a chapter 13 discharge until 4 years have passed from the filing date of your previous case.

If you received a discharge in a Chapter 13 Bankruptcy

• Filing a Chapter 7 Bankruptcy: You will not be able to receive a chapter 7 discharge until 6 years have passed from the filing date of your previous case.
• Filing a Chapter 13 Bankruptcy: You will not be able to receive another chapter 13 discharge until 2 years have passed from the filing date of your previous case.

The bankruptcy code also places limitations on filing a case, if within the last 180 days the court dismissed a previous case for failure to abide by the court’s orders or if you received a voluntary dismissal after a creditor requested relief from the automatic stay.

Achieving the maximum benefit from the bankruptcy discharge should be your main goal for filing a bankruptcy in Chicago. Consult experienced bankruptcy lawyers in Chicago to ensure that all of your eligible debts are discharged in your bankruptcy. 

Contact Chang and Carlin for a Free Bankruptcy Consultation Today!

To protect your bankruptcy rights, get in touch with Chang and Carlin, LLP today for a Free Bankruptcy Consultation. We understand what you’re going through and can help you navigate the bankruptcy process from start to finish.

Disclaimer: The content provided by Chang and Carlin, LLP is not legal advice and is purely for informational purposes. The information contained herein is not a substitute for the advice of an attorney and does not create an attorney-client relationship. If you are interested in obtaining information about Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, Foreclosure services, or Real Estate legal services, call our law firm at 1-866-790-8601 for a Free Legal Evaluation. Chang and Carlin, LLP serves clients in Chicago, Schaumburg. Joliet, and Warrenville.