Even after filing a Chapter 7 bankruptcy, you may find yourself needing additional assistance with paying off debts. If this is the case, you may feel stuck and unsure of what to do. The good news is that there are options available to help you.
After filing for Chapter 7, you are unable to file an additional Chapter 7 bankruptcy for eight years. The eight-year mark begins when you file the first case, not when the case is discharged. Therefore, you may want to consider filing for bankruptcy under a Chapter 13. This is possible if it has been at least four years after your old Chapter 7 case. Filing under a Chapter 13 may give you the breathing room to deal with your debts while keeping keep a very low monthly payment.
If you are considering filing for bankruptcy again, we recommend that you call and schedule an appointment with an experienced bankruptcy attorney. If you live in California, we would love to hear from you. If you live outside of California, please meet with a qualified bankruptcy attorney in your area. You should always consult with an experienced bankruptcy attorney before pursuing any bankruptcy filing to ensure that you are not missing any special rules or circumstances.