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When you can file bankruptcy more than once

Disasters sometimes strike the same household more than one time. Even though you may have originally recovered from your overwhelming debt by filing bankruptcy in Oregon, you could find that a sudden job loss or medical bills have put your recently rebuilt financial stability in jeopardy. We at The Law Office of Kim Covington have helped many clients to determine their best path forward in these situations.

There are restrictions on how soon you may file, according to the U.S. Bankruptcy Court for the District of Oregon, depending on the circumstances of your previous bankruptcy case. If your debts were not discharged because you requested that your case be dismissed or because you did not obey the court order, then you cannot file again for at least 180 days.

After your debts are discharged in a Chapter 7 bankruptcy, you must wait eight years before you are eligible to have your debts discharged again through the same chapter. You could file for Chapter 13 bankruptcy and be eligible for discharge within four years of the Chapter 7 discharge, though.

If you originally filed for Chapter 13 and your debts were discharged, you must generally wait six years before filing Chapter 7. However, you may be able to file sooner if you paid all of your unsecured debts through the repayment plan. You may file another Chapter 13 bankruptcy if your previous case was discharged at least two years before. Other conditions may apply, depending on a person’s circumstances. More information about filing bankruptcy is available on our webpage.

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1445 Willamette Street, Suite 9
Eugene, OR 97401

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