Can You Refile Bankruptcy After a Dismissal in California?

If your bankruptcy case in California was dismissed, you may wonder if you can file again. The answer is Yes, you can refile for bankruptcy in California after a dismissal, but the timeline and conditions depend on the reason for the original dismissal. In some cases, you can refile immediately, while others require a 180-day waiting period. There are also specific limitations on the automatic stay, which temporarily prevents creditors from collecting debts

What a Bankruptcy Dismissal Really Means

A dismissal occurs when the court closes your case without granting a discharge. Your creditors can resume collections—lawsuits, wage garnishments, bank levies, and foreclosure activity. Dismissal is not a discharge; your debts remain unless and until you complete a successful case.

Common Reasons Cases Are Dismissed

• Missing required forms, schedules, or credit counseling/debtor education certificates.
• Failing to appear at the 341 meeting of creditors.
• Missing Chapter 13 plan payments or filing an infeasible plan.
• Failing the Chapter 7 means test or ignoring a court order/deadline.
• Bad-faith filings (e.g., serial filings solely to stall foreclosure).

Dismissal “With Prejudice” vs. “Without Prejudice”

Without prejudice. Most dismissals fall here and allow you to refile promptly once you correct the problem.

With prejudice. The court can impose a refiling bar (often 180 days) if it finds willful failure to comply with court orders or abuse of process. Under federal law (11 U.S.C. § 109(g)), a 180‑day bar applies in specific situations—such as voluntarily dismissing a case after a creditor sought relief from the automatic stay, or willfully violating court directives.

How the Automatic Stay Works on a Refile

The automatic stay stops collections the moment a new case is filed. But repeat filings within one year limit that protection:

• One prior dismissal in the past year: The stay expires after 30 days unless you file a motion to extend and the court finds your new case was filed in good faith.
• Two or more dismissals in the past year: No stay goes into effect automatically. You must file a motion and prove good faith before the court imposes a stay.

Practically, this means timing and preparation are critical before you refile—especially if you need the stay to halt garnishments or a pending foreclosure sale.

Refiling Chapter 7 in California

You may refile Chapter 7 after a dismissal, provided you still qualify under the means test and other eligibility rules. If your previous case resulted in a discharge, the law requires eight years between Chapter 7 filing dates to receive another Chapter 7 discharge. If your last case was dismissed without discharge, that eight‑year waiting period typically does not apply—but the court will scrutinize your new filing for good faith and completeness.

Refiling Chapter 13 in California

Chapter 13 can be an effective second attempt if your first case stumbled. If you previously received a Chapter 13 discharge, there is a two‑year minimum between filing dates to receive another Chapter 13 discharge. If your earlier Chapter 13 was dismissed without discharge, you may refile sooner, often immediately after addressing the issue (e.g., stabilizing income, revising an unrealistic plan, or catching up documentation).

Switching Chapters (Chapter 7 ↔ Chapter 13)

• Chapter 13 → Chapter 7: If income dropped or your plan became infeasible, you may now qualify for Chapter 7.
• Chapter 7 → Chapter 13 (“Chapter 20” strategy): Sometimes used to manage debts that survived Chapter 7 (e.g., certain arrears), or to address liens via plan treatment when a fresh start alone wasn’t enough.

Note: Waiting periods primarily govern eligibility for a new discharge; they do not always bar refiling itself after a dismissal. The court will focus on your good faith, feasibility, and whether circumstances have materially improved.

Smart Steps Before You Refile

1. Fix the root cause. If your case was dismissed for missing documents, assemble and review every schedule and statement. If plan payments were the issue, build a realistic budget and consider payroll deductions in Chapter 13.
2. Complete your courses. Take the required credit counseling within 180 days before filing and be ready to complete debtor education after filing.
3. Gather proof. Pay stubs, tax returns, mortgage statements, car loan statements, bank records, and arrears figures support feasibility and credibility.
4. Plan for the stay. If your prior case was dismissed within a year, draft a motion and declaration to extend (or impose) the automatic stay, explaining what changed and why the new case is in good faith.
5. Choose exemptions strategically. California’s two exemption systems (704 and 703) can materially affect asset protection; pick the one that best fits your situation in the new case.
6. Consult counsel. An experienced California bankruptcy lawyer can anticipate trustee/judge concerns and avoid repeat pitfalls.

Good‑Faith Factors Courts Consider

When you refile soon after a dismissal, judges commonly weigh:

• Changed circumstances: New job, stabilized income, reduced expenses, or corrected paperwork.
• Feasibility: In Chapter 13, whether your plan realistically pays required amounts (e.g., priority taxes, mortgage arrears) within the statutory period.
• Creditor treatment: Whether the new case fairly addresses secured and priority claims.
• Pattern of filings: Serial filings to stall a foreclosure without genuine reorganization often trigger prejudice and stay limitations.

California‑Specific Notes

Although bankruptcy law is federal, local rules vary among California’s districts (Northern, Eastern, Central, Southern). Many courts require prompt filing of a motion to extend or impose the stay after a refiling. Deadlines are short—often within the first two weeks—so prompt action is essential. Your attorney will also ensure you use the correct local forms and scheduling templates.

Examples

• Missed 341 meeting due to illness: Refile with documentation of the illness and a plan to appear; request a stay extension if needed.
• Chapter 13 dismissed for missed payments: Refile with payroll deduction for plan payments and a plan adjusted to realistic income.
• Dismissed after creditor sought stay relief: A 180‑day bar may apply under §109(g) if you voluntarily dismissed; seek legal guidance before attempting to refile.

FAQs

Can I refile immediately? Often yes, if the case was dismissed without prejudice. With prejudice generally requires a 180‑day wait.

Will I get a full automatic stay? Possibly limited. One prior dismissal in 12 months limits the stay to 30 days unless extended by court order; two or more dismissals mean no stay unless the court imposes it.

Which chapter should I choose? Chapter 7 is best for low‑income debtors seeking discharge of unsecured debt; Chapter 13 works for catching up on arrears, stopping foreclosure, paying priority debts, or dealing with non‑exempt equity.

Will refiling damage my credit more? Additional filings appear on your record, but may still be better than ongoing garnishment or foreclosure. Many clients begin rebuilding credit 12–24 months after a successful case.

Action Plan for a Successful Refile

• Audit your prior file to identify exactly why it was dismissed.
• Pre‑prepare all schedules, means‑test forms, and (for Chapter 13) a feasible plan with verified income.
• Calendar the deadline to move to extend or impose the stay, and draft the supporting declaration with concrete changes since the last case.
• Select the California exemption system that best fits your assets now—not necessarily the one you used before.
• Coordinate with your attorney and trustee on any pre‑filing document requests to avoid day‑one deficiencies.

Bottom Line

You can refile bankruptcy in California after a dismissal, but timing, documentation, and good faith are everything. Address the issues that caused the dismissal, prepare a stronger case, and—if you filed within the past year—be ready to extend or impose the automatic stay quickly. With careful planning, many Californians successfully refile and obtain the relief they need.

Need guidance now? Kostopoulos Bankruptcy Law helps Californians navigate dismissals and successful refilings. Call 877‑969‑7482 or request a consultation.