does it matter if one bankruptcy was filed while you were married and then get divorced and want to later file as a single? Does it matter the type?
2006-07-28 04:30:56 · 16 answers · asked by A H 1 in Business & Finance ➔ Credit
Man! Don't you just LOVE these answers?
Either they preach to you about being in debt, or they try to answer the question and simply don't have a clue what they are talking about. Can't you guys JUST ONCE do your research and quit guessing?
The new bankruptcy laws made some changes to the refiling periodl..
If you had filed for Chapter 7, you can not file for Chapter 7 again for 8 years.
If you filed for a Chapter 7, and you now wish to file a new Chapter 13, you must wait 4 years.
If you filed a Chapter 13, you must wait 2 years before filing a new Chapter 13.
2006-07-28 08:27:06 · answer #1 · answered by Anonymous · 5⤊ 0⤋
I like how this question rolled off of your tongue. Filing bankruptcy is final choice -- like jumping off a cliff. You should have tried every other feasible option before getting a pricey lawyer and going through statutory debt counseling and filing Chapter 7, Chapter 11, or Chapter 13.
Conduct an inventory of your personal finance and true survival needs and align your budget with your personal finance. Call your creditors and negotiate 10% of all balances because your credit probably is not worth salvaging at this point. You can restore your credit over several years, but you are in survival mode at this point.
No you can't file bankruptcy more than once in 7 years. And stop trying to pimp the system. Face the music -- face your creditors-- and learn that avoidance is not the best recipe for closure.
Sounds like you need more than just debt relief -- you need to understand how to live within your means and avoid unnecessary purchases that ultimately lead you to consider filing for bankruptcy TWICE in a seven year period.
2006-07-28 06:49:54 · answer #2 · answered by DaMan 5 · 0⤊ 0⤋
yes can file again.. but the bankruptcy law changed as of Oct of last year.. I believe you have to do six months of credit counseling before you can file
2006-07-28 04:35:09 · answer #3 · answered by donise225 3 · 0⤊ 0⤋
You can file for Chapter 7 bankruptcy again after six years has passed from the date of your last filing.
http://www.scottcoombs.com/faq/article.php?id=028&pt_sid=2fd536d1e966bac109b4550d774409dd
2006-07-28 04:33:06 · answer #4 · answered by Anonymous · 0⤊ 0⤋
It depends on what type of bancruptcy Chapter 11, 13 etc...
If you are just doing a reconstruction of your bills, not trying to get completely out of paying them, then yes. If you are trying to wipe the slate completely clean, I believe the new laws restrict you to every ten years. Any bancruptcy lawyer will give you that info for free
2006-07-28 04:35:08 · answer #5 · answered by paesano2578 3 · 0⤊ 0⤋
if you need to file 2 times in your life you need some MAJOR help about finance !!!!
2006-07-28 04:33:18 · answer #6 · answered by Big R 6 · 0⤊ 0⤋
No - stop spending so much $$$. How many pairs of shoes do you really need?
2006-07-28 04:33:53 · answer #7 · answered by M S 4 · 0⤊ 0⤋
Only if you are a productive member of society, which it seems you aren't.
2006-07-28 04:32:18 · answer #8 · answered by Alex 3 · 0⤊ 0⤋
you do know that the bankruptcy law has changed last year thanks to our big corporation loving president
2006-07-28 04:33:33 · answer #9 · answered by Anonymous · 0⤊ 0⤋
oh gawd you really do have problems
guess you could consider it a career
2006-07-28 19:06:36 · answer #10 · answered by Anonymous · 0⤊ 0⤋