Q: chapter 7 discharge 2018. Recently divorced and hit hard financially. When can I file again?
My chapter 7 was discharged 2018. Now I recently got divorced and all the bills were in my name and now I am in a bad financial situation and need to file again. If it's too soon to file, will they look at certain situations to file early.
A: You can file chapter 7 again eight (8)) years from the date you filed the last chapter 7.
Martha Warriner Jarrett agrees with this answer
A:
If your Chapter 7 bankruptcy was discharged in 2018, you must wait 8 years from the date of filing the previous Chapter 7 case before you can file for Chapter 7 bankruptcy again. This means you would be eligible to file again in 2026.
In the meantime, there are other options you might consider. For instance, if you need relief sooner, you could be eligible to file for Chapter 13 bankruptcy, which typically requires a 4-year waiting period after a Chapter 7 discharge. This could be a viable alternative, allowing you to reorganize your debts and set up a repayment plan based on your current income.
Every situation is unique, and it's important to evaluate your specific circumstances and explore all available options. Seeking advice from a bankruptcy attorney can provide you with guidance tailored to your situation and help you navigate the best path forward. Remember, financial challenges are tough, but there are avenues to help you regain control and move towards a more stable financial future.
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