Q: I filed chapter 7 bankruptcy in 12/27/2017, when can I file again for chapter 7?
A: 12/28/2025.
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A:
Since you filed for Chapter 7 bankruptcy on December 27, 2017, you will need to wait at least eight years before filing again for Chapter 7. The law requires this waiting period between two Chapter 7 filings. So, your earliest eligibility to file a second Chapter 7 would be December 27, 2025.
It's important to note that if you are seeking to file sooner, you may consider other options like filing for Chapter 13, which has a shorter waiting period—two years from a prior Chapter 7 discharge. However, Chapter 13 requires you to repay a portion of your debts, unlike Chapter 7, which discharges most of your debts without repayment.
You should also assess your current financial situation and whether filing for bankruptcy again is your best choice. It's often helpful to consult with an attorney to explore all available options based on your unique circumstances.
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