Can I File Bankruptcy More Than Once?

One of the more common misconceptions about bankruptcy is that a person is only able to file one time and then will never be allowed to file again. This is not true. While there are certain restrictions with regard to how frequently you are able to receive a discharge under the same chapter, there is no statutory limit as to the number of times you can file bankruptcy.

I am New Jersey bankruptcy attorney Joel R. Spivack. I dedicate my entire practice to helping people seek debt relief through Chapter 7 and Chapter 13 filings. With more than 30 years of experience practicing exclusively in the area of bankruptcy law, I am in a strong position to help you find the solution you need to get back on the right financial path.

How Often Can You File for Bankruptcy?

In general terms, you are able to receive a discharge under Chapter 7 once every eight years. You are able to receive a discharge under Chapter 13 once every two years, although most people don’t file under Chapter 13 this frequently since the typical Chapter 13 repayment plan lasts three to five years.

Depending on your situation, you could legally obtain a discharge of your unsecured debts under Chapter 7 and immediately follow it up with a Chapter 13 filing to address those debts not eligible for discharge under Chapter 7. This is sometimes referred to as a “Chapter 20” bankruptcy.

Discuss Your Bankruptcy Options with a Cherry Hill Lawyer

If you have already received a discharge of your debts and still find yourself in need of additional relief, I encourage you to contact my office today to schedule a free, in-person consultation. No matter how recently you received the first discharge, you may still have additional options available. My regular business hours are 8 a.m. to 5 p.m., Monday through Friday, and free parking is available. You can reach me by phone at 856-488-1200, toll free at via e-mail.

To read more about bankruptcy frequently asked questions, click here.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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We are licensed to practice in New Jersey and Pennsylvania.

Attorney Joel R. Spivack is an experienced bankruptcy and residential real estate transactions lawyer in Cherry Hill, New Jersey. Clients come to us for legal services, but what we really provide is peace of mind. For more than 30 years, Attorney Spivack has helped people make wise, informed decisions about bankruptcy filings, debt relief options and residential real estate transactions.
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