If you previously filed a Chapter 7 Bankruptcy (and received a discharge) you must wait 8 years before you may file another Chapter 7 and 4 years to receive a discharge under Chapter 13.  However, in some cases a Chapter 13 can provide relief even if filed sooner than 4 years after filing a Chapter 7.

If you previously filed a Chapter 13 (and received a discharge) you must wait 6 years before filing a Chapter 7, but only 2 years before filing under Chapter 13.

Posted in: Frequently Asked Bankruptcy Questions