You can file for personal bankruptcy as many times and as often as you would like. However, the court will not issue a discharge or maintain the Automatic Stay unless you meet the statutory guidelines.
The United States Bankruptcy Code requires that you wait a period of time after filing one bankruptcy before you can file another successful case. A Chapter 7 bankruptcy can be filed 8 years after a prior Chapter 7 or 6 years after prior Chapter 13. A Chapter 13 bankruptcy can be filed 4 years after a prior Chapter 7 filing or 2 years after a prior Chapter 13 filing.
These requirements are exact, and they will be very strictly enforced. If you cannot remember the date of your last filing, we are happy to look it up for you. Please call today for a free consultation at (937)- 432 – 9775.