Can I File Bankruptcy More Than One Time?

Know Your Rights With Regard to Multiple Bankruptcy Filings

If you are still having trouble repaying debt and you have already filed for bankruptcy once before, you might be wondering, "Can I file bankruptcy more than one time?" Yes, you can. There may be no greater myth about bankruptcy than the one that says a person can only file one time in his or her life. Nothing could be further from the truth.

Under the law, the following wait times apply for filing bankruptcy:

  • Chapter 7: If you received a discharge of your debts under Chapter 7, you must wait for at least eight years before filing under Chapter 7 again. In addition, you may file for Chapter 7 bankruptcy six years after a successful Chapter 13 bankruptcy.
  • Chapter 13: There is a two-year waiting period from the time you filed your last Chapter 13 bankruptcy before you can file the next one. This provision usually will not impact debtors since most repayment plans last more than two years. In addition, a Chapter 13 may be filed four years after a successful Chapter 7 bankruptcy.

Providing Complete Bankruptcy Services

An experienced attorney can answer your questions about filing for bankruptcy in Ocean County, Monmouth County and across New Jersey. At the law offices of William H. Oliver, Jr. & Associates, we represent clients in all types of consumer and business bankruptcy matters. If you have filed for bankruptcy before and still find yourself in need of debt relief, we will work with you to find the best solution for your unique circumstances.

Free Consultation With a Filing for Bankruptcy Attorney in Ocean County

With offices in Toms River and Neptune, our New Jersey lawyer is prepared to help you with any bankruptcy-related matter. Evening and Saturday appointments are available. Call toll free: 1-866-974-1136 or fill out our contact form. Hablamos español.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.