Littleton Bankruptcy Lawyer | How Often Can I File for a Chapter 7 or Chapter 13 Bankruptcy? 

Wondering if you are eligible to file Chapter 7 or Chapter 13 bankruptcy after having previously filed? Read the rules regarding time and when to re-file.
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While there is no limit to how often you can file for a Chapter 7 or Chapter 13 bankruptcy in Littleton, Centennial or Aurora, there is a limit on how often you can get a bankruptcy discharge.  If you re-file for bankruptcy before the amount of time determined by the statute has passed, you will not get a bankruptcy discharge and you will still have to deal with your debt.  

Time Limitation for Bankruptcy Discharges: When Can I Re-File for Bankruptcy? 

The time limits related to bankruptcy cases vary depending on the type of bankruptcy you are filing and the type of bankruptcy case you previously filed: 

  • Filing for Chapter 7 bankruptcy again– You can get a Chapter 7 bankruptcy discharge every eight years. The eight-year time frame starts from the date your first or previous case was filed.  
  • Filing for Chapter 13 bankruptcy again– You can get another Chapter 13 bankruptcy discharge after 2 years from the date you received your last discharge.   
  • Filing for Chapter 7 bankruptcy after a Chapter 13 bankruptcy discharge–  If your previous bankruptcy case was a Chapter 13 bankruptcy, then you can file for Chapter 7 bankruptcy after six years. 
  • Filing for Chapter 13 bankruptcy after a Chapter 7 bankruptcy discharge– If your previous bankruptcy case was a Chapter 7 bankruptcy, then you can file for Chapter 13 bankruptcy after four years.   

My Bankruptcy Discharge was Denied and Dismissed: When Can I File Again? 

Your Chapter 7 or Chapter 13 bankruptcy petition can be denied for any of the following reasons: 

  • Attempt to defraud usually by moving, hiding, or giving away assets 
  • Hiding or destroying financial information 
  • Lying on your petition or sworn financial statement 
  • Not complying with a court order 
  • Not completing the required instructional courses 

If your bankruptcy case was dismissed, you may be able to refile as soon as 180 after the dismissal. This usually depends on the reason the case was dismissed. It’s best any time you are considering filing for Chapter 7 or Chapter 13 bankruptcy again to consult with an experienced bankruptcy attorney in the Denver, Aurora, and Centennial area to make sure you are filing at the right time and getting the best possible chance for a successful discharge.  

If you are considering filing bankruptcy again, contact the best bankruptcy attorney Barry Arrington at 303-205-7870 for a free initial consultation to begin your journey toward a better financial future.  

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