How Soon Can You Re-File for Bankruptcy in Texas?

The Waiting Period for Chapter 7 and Chapter 13

How Soon Can You Re-File for Bankruptcy in Texas?You can go through a bankruptcy proceeding with the best of intentions, pay close attention to your finances and still have difficulty meeting your obligations. Often, it’s a health problem that brings you to consider filing for bankruptcy. That’s no surprise and no cause for shame—it’s the single most common contributing factor to a bankruptcy filing.

In Texas, there’s no limit to the number of times you can seek protection through a bankruptcy proceeding. You must, however, wait a certain period of time, based on the type and outcome of your prior filing.

If Your First Filing Was in Chapter 7

If you filed for liquidation under Chapter 7 and you discharged debts, you must wait a minimumof eight years before seeking to discharge debts in a similar proceeding. If, instead, you want to follow a prior Chapter 7 petition with a Chapter 13 reorganization, you must wait at least four years. If you filed for protection under Chapter 7, but your petition was dismissed or you did not discharge any debts, you can re-file at any time.

If Your First Filing Was in Chapter 13

If you originally sought to restructure your debt through Chapter 3, but now want to permanently rid yourself of debt through Chapter 7, you must wait at least six years from the date of the termination of the Chapter 13 proceeding. If you want to file another Chapter 13 reorganization, you only need to wait two years.

Contact Heath, TX Bankruptcy Attorney Carrie Weir

I provide a free initial consultation to anyone with questions or concerns regarding a bankruptcyfiling. Contact my office by e-mail or call me at 972-772-3083 for a private meeting. With offices in Rockwall, Texas, I represent clients in Heath, Greenville, Lavon,Wylie, Mesquite and Rowlett.

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Call Rockwall bankruptcy lawyer Carrie Weir at 972-772-3083 or fill out the contact from below for a free, confidential consultation to discuss your options.

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