First, it is the petition date, not the discharge date, that matters. You can file a new ch 7 8 years after the first ch 7 petition date to be eligble for a discharge; you can file sooner a ch 7 but wont get a discharge (so why do it? few reasons); or you can file a ch 13 anytime..but 4 years after filing a ch 7 will allow a discharge in it also! Good luck. Because your discharge was probably 4 months after you filed, you have a ways to wait still in around Jan of 2017!
The prior response is accurate; the petition date (when the case was filed) is the important date to consider. In order to file another chapter 7 case and be eligible for a discharge you must wait eight (8) years from the previous case's filing date. You can file a chapter 13 case four (4) years after the original case and be eligible for a discharge in the current case.
The information provided by Attorney David J. Smith is not intended to and does not constitute legal advice, and does not create an attorney-client relationship. All material is provided for informational purposes only. For legal advice, you should consult with an attorney familiar with your circumstances and seek the advice of counsel in the appropriate jurisdiction.
You probably are not eligible for chapter 7 again unless your discharge was delayed by several years. The discharge date is irrelevant to measuring when you can file and obtain another discharge. It is 8 years from filing date to filing date. Perhaps chapter 13 would be appropriate if you creditors are overly aggressive. Not appropriate to consider any bankruptcy just to STP collector calls. Hope this perspective helps.
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline