Filing for bankruptcy again in Michigan can be a critical step in regaining financial stability. If you are asking, How long after Chapter 7 can you file Chapter 13? In Michigan, you can file Chapter 13 bankruptcy immediately after a Chapter 7 discharge or dismissal. However, to receive a Chapter 13 discharge, you must wait four years from the filing date of your previous Chapter 7 case. Filing Chapter 13 sooner can still protect your assets and stop foreclosure, but the discharge eligibility requires this mandatory waiting period.
Continue reading “How Long After Chapter 7 Can You File Chapter 13 in Michigan”
Start Your Financial Reset
Embrace A Debt-free Future
Frequently Asked Questions
How long after Chapter 7 can you file Chapter 13 in Michigan
You can file Chapter 13 immediately after Chapter 7 in Michigan, but must wait four years to get a discharge in the new case.
Can I file Chapter 7 after Chapter 13
Yes, you can file Chapter 7 after completing Chapter 13, but you must wait six years to receive another discharge unless you paid all unsecured debts in full during Chapter 13.
How often can you file Chapter 7
You can file Chapter 7 again eight years after the filing date of your prior Chapter 7 to receive a new discharge.
Can I file Chapter 13 after Chapter 7 to stop foreclosure
Yes, filing Chapter 13 after Chapter 7 can stop foreclosure immediately using the automatic stay, even if you are not eligible for a discharge.
Is it worth filing Chapter 13 after Chapter 7 if I can't get a discharge
Yes, if you need to stop foreclosure, catch up on mortgage arrears, or restructure secured debts, Chapter 13 may still help even without a discharge.