My bankruptcy discharged feb 2005 can I file again

Asked almost 2 years ago - Mesa, AZ

I have quit paying my bills

Attorney answers (5)

  1. Matthew Erik Johnson

    Contributor Level 17

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    Answered . Once you have already filed for chapter 7 bankruptcy, the bankruptcy court will deny a discharge in a subsequent Chapter 7 case if you already received a discharge in your previous chapter 7 or chapter 11 case if it was filed within the last eight years. In simple terms, you can obtain a chapter 7 bankruptcy discharge every eight years. The eight year time period starts to run from the date your previous case was filed.

    The bankruptcy court will also deny a Chapter 7 discharge if the debtor has previously received a discharge in a Chapter 12 or Chapter 13 case filed within the last six years unless the debtor meets fairly strict requirements regarding the amount of debt she paid back in her chapter 13 case. Similarly, a debtor is ineligible for a second discharge under Chapter 13 if he or she received a prior discharge in a Chapter 7, 11, or 12 case filed within four years of the current case or in a Chapter 13 case filed within two years of the current case.

    Matthew Johnson phone# 206.747.0313 is licensed in the State of Washington and performs bankruptcy, short sale... more
  2. Douglas Garth Edmunds

    Contributor Level 13

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    Answered . We need to see your filing date in order to answer the question. If eight years or more have passed, yes. If not, no.

    Douglas Edmunds is in the business of helping people and companies file for bankruptcy protection. The bankruptcy... more
  3. Deborah F Bowinski

    Contributor Level 17

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    Answered . You will not be eligible for another chapter 7 discharge in a case until more than 8 years have passed from the day your prior case was filed. The 8 years is counted from the filin date of the first case to the filing date of the second case.

  4. Derek R. Caldwell

    Pro

    Contributor Level 18

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    Answered . Figure out when you filed your first case which discharged in February of 05. Count eight years from that date. Add one day just to be safe and that is the date you can file another Ch7 and be eligible to receive another discharge. Be aware there is more stuff that you will need to do, such as take a pre-filing credit counseling course, a post filing credit management course, pass the means test and some other requirements that were not in place when you first filed. Do yourself a favor and consult with and retain an attorney to assist you.

    DISCLAIMER: This message is intended as a general discussion of legal issues and not as a statement of fact, legal... more
  5. Diane L Drain

    Pro

    Contributor Level 15

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    Answered . The others are correct that you cannot file a chapter 7 unless your last chapter 7 was filed more than 8 years ago. But, that does not stop you from filing a chapter 13.

    Please understand that filing for bankruptcy under the current set of laws is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step. Most Arizona bankruptcy attorneys offer a free consultation about the basics of bankruptcy. I am attaching a link to some free videos that explain how bankruptcy works. There is no cost for the initial discussion.

    Please take time to educate yourself about bankruptcy and to determine which attorney is the best to assist you in the process. Don’t assume the attorney is being completely honest about their experience and capabilities. Check them out. Avoid the attorneys who advertise on TV or profess a 100% success rate in their Internet ads. It costs hundreds or thousands of dollars for these ads and someone has to pay for them – the clients. These attorneys mass produce the work and do not offer the client the hands on assistance that is necessary in a well-planned bankruptcy. Normally these firms assign all or most of the work to paralegals and the client rarely talks to an attorney.

    When interviewing the attorney ask them how long they have practiced bankruptcy law. Ask what percentage of their practice is focused on consumer work. Ask whether they are experienced in both chapter 7 and chapter 13 cases. Ask the attorney for references. Ask about their policy of returning phone calls. They should be committed to answering specific questions about your situation and help you understand your options. If, after talking with them you are still confused about the issues you raised, find another attorney. Check them out with the various ranking sources: such as www.AVVO.com, and the State Bar. An attorney is should be your guide through this process. They should educate you, be there to assist you in how to avoid pitfalls and help you plan for your future after bankruptcy. There are hundreds of “bankruptcy” attorneys in Arizona. Of those just a few will fit the criteria set forth above. Again, bankruptcy is a very complicated process and you want to use an attorney who will be there when you need them.

    IF YOU FOUND THIS ANSWER "HELPFUL" or "THE BEST ANSWER," PLEASE MARK IT SO AS AVVO AWARDS THE ATTORNEY POINTS. All attorneys providing answers on this site are donating their time and not financially compensated.

    This firm is in the business of helping people and companies file for bankruptcy protection. Therefore, the... more

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