October 18, 2019 By:
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 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 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.
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.