The answer to this question is as often as you like. However, you cannot receive a Chapter 7 discharge if you have obtained a Chapter 7 discharge within the past eight (8) years. You calculate the time period from the date that you filed your last Chapter 7 petition. The date that you actually received your Chapter 7 discharge has no bearing on the calculation. To illustrate in more details read below. If you have any questions, call us and we will explain;
- Multiple Chapter 7 Bankruptcies – Your second Chapter 7 bankruptcy case cannot be filed until at least eight years have passed since the date on which your original Chapter 7 bankruptcy was filed.
- Multiple Chapter 13 Bankruptcies – Your second Chapter 13 bankruptcy case cannot be filed until at least two years have passed since the date on which your original Chapter 13 bankruptcy was filed.
- Chapter 7 to Chapter 13 – If a prior Chapter 7 case was discharged, you cannot receive a discharge under a Chapter 13 case until at least four years have passed since the date on which you filed the Chapter 7 (original) case.
- Chapter 13 to Chapter 7 – If a prior Chapter 13 case was discharged, you cannot receive a discharge under a Chapter 7 case until at least six years have passed since the date on which you filed the Chapter 13 (original) case. There are, however, several exceptions which may apply depending on your situation.
