If I have a chapter 7 discharged 05 in the state of NY, how long do I have to wait to do either chapter 7 or 13 in a new state?

If you want to file for Chapter 7 bankruptcy again, you would have to wait EIGHT YEARS from the date your prior case was filed.

The clock starts ticking from the date you FILED your previous petition.

If you want to file for Chapter 13, the waiting period is FOUR YEARS.

Note: It does not matter what state you filed your previous petition in, or what state you plan to now file in. Bankruptcy is a federal law and applies uniformly throughout the entire country.

I wrote an article on the time frame consumers must wait in between filings. There is much more information in that article. You can click on the blue link below to take you there.
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