Filing for bankruptcy can give you the fresh start you need—but what if you’ve filed before and find yourself in financial trouble again? How often can you file bankruptcy?
You can file bankruptcy multiple times, but you must wait a specific number of years between discharges depending on the type of bankruptcy filed previously and the type you plan to file next.
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FAQs About Filing Bankruptcy Again
Can I file bankruptcy more than twice?
Yes. There’s no limit to how many times you can file—only limits on how often you can receive a discharge.
Can I file Chapter 13 right after Chapter 7?
Yes, however, you must wait 4 years from the filing date of your Chapter 7 case before you can obtain a discharge in Chapter 13.
What if I filed Chapter 13 but didn’t complete the plan?
You may still be able to file again, but whether you’re eligible for a discharge depends on why the case was dismissed.
Can I refile bankruptcy if my last case was dismissed?
Yes. You can usually refile, but if your case was dismissed with prejudice, you may have to wait or seek court approval.
Will multiple bankruptcies affect my credit forever?
No. Chapter 7 stays on your credit for 10 years and Chapter 13 for 7 years. After that, they no longer affect your credit report.