Tecumseh, OK asked in Bankruptcy for Oklahoma

Q: We filed chapter 11 bankruptcy in 2011 due to medical bills from surgery. How long before we can file again

We were both in the hospital this year and my husband was off work 6 weeks without pay and we got so far behind on all our bills plus the hospital bills for both of us

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2 Lawyer Answers

Cristina M. Lipan

  • Bankruptcy Lawyer
  • Brooklyn, NY

A: I'm going to guess that you did not actually file chapter 11 (it is generally for businesses, and although individuals CAN file chapter 11, it is much more expensive and only necessary if you have a lot of assets). So, it depends on whether you file a chapter 7 or 13. The maximum time to wait would be 8 years from date of the first filing (not discharge).

Timothy Denison

  • Bankruptcy Lawyer
  • Louisville, KY

A: Chapter 11 is for businesses only. I suspect you filed Chapter 13. You could file again in eight years if you filed a chapter 7 or in three years if you filed a Chapter 13.

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