Facing debt again is common in California, where high living costs and medical bills can lead to repeated financial strain. How many times can you file Chapter 7 in California? You can file Chapter 7 multiple times in California, but you must wait at least eight years between filings if you received a previous Chapter 7 discharge. There is no legal limit to how many times you can file for bankruptcy.
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Frequently Asked Questions
How many times can I file Chapter 7 in California?
There is no limit, but you must wait eight years between filings after a Chapter 7 discharge.
Can I file Chapter 7 sooner after Chapter 13?
Yes, typically after six years, unless you paid 70% of unsecured debts in your prior Chapter 13 plan.
What if my previous case was dismissed?
You may be able to refile immediately unless the dismissal was due to specific failures, in which case a 180-day wait may apply.
Can I file Chapter 13 if I am not eligible for Chapter 7?
Yes, Chapter 13 may be a viable option if you need protection before the eight-year waiting period ends.
Should I consult an attorney before refiling?
Yes, to confirm your eligibility, protect your assets, and avoid losing your right to discharge.