If you have filed a chapter 7 in the past and obtained a discharged (i.e. the case went through and was not dismissed), then you cannot file another chapter 7 for eight (8) years from the date the previous bankruptcy was filed. If you want to file a chapter 13, you have to wait four (4) years from the date of filing, if you want a discharge.  If you just need the automatic stay to allow you to carry out a payment plan, then there is no ineligibility period.

If you have filed a chapter 13 in the past and obtained a discharge, then you cannot file a chapter 7 for six (6) years. If you want to file another chapter 13, you have to wait two (2) years.  If you are considering bankruptcy, but are not sure whether you can, please contact my office for a free consultation.

The Law Office of Steven J. Richardson serves New Jersey, including:  Gloucester, Camden, Burlington, Salem, Cumberland and Atlantic Counties and surrounding New Jersey communities, including Woodbury, Colonial Manor, North Woodbury, Woodbury Heights, Deptford, Thorofare, Gloucester City, Washington Township, Blackwood, Brooklawn, Westville and Pitman.

Richardson Law Offices
40 Newton Avenue
Woodbury, NJ 08096
Phone: (856) 686-9910
Fax: (856) 686-9911