This can be very complicated and there is no one sentence answer. However, the rule of thumb is that you can file a chapter 7 bankruptcy and receive a discharge every 8 years. The old law was every 7 years. You can file a chapter 13 and receive a discharge every 4 years. When you start combining filing chapter 7 and 13 and having one dismissed or any other of the combinations you might make of your situation, it can be complicated, which is why you should see me before you try to figure out what your options really are.
How often can I file bankruptcy?
- Can I borrow money before I file bankruptcy?
- Can I go to jail for not paying my bills?
- Can I keep a credit card if I file bankruptcy?
- Can I lose my job for filing bankruptcy?
- Can I sign my spouse’s name to the paperwork
- Can my paycheck be garnished by my creditors?
- Can the chapter 13 trustee really make me take the chapter 13 plan payment out of my paycheck?
- Do I have to file all my back taxes before I file bankruptcy?
- Do I need to bring anything to my first appointment?
- Do I need to have an attorney to file bankruptcy?
- Do we both have to do credit counseling and attend the debt management class if my spouse and I are filing bankruptcy together?
- How can someone going broke pay for an attorney to file bankruptcy?
- How do I come up with this budget you want me to fill out?
- How do I contact the chapter 13 bankruptcy trustee?
- How do I contact the chapter 7 bankruptcy trustee?
- How do I get to the Meeting of Creditors or to the Bankruptcy Court in Columbia, Charleston, Spartanburg, or Charlotte?
- How do I know the value of my home (real estate, house, land and trailer package, camper…)?
- How do I list all my household goods/personal property for you?
- How Does Filing Bankruptcy Affect School Loans?
- How long does the case take?
- How long will a bankruptcy filing be on my credit?
- How much do you charge to file bankruptcy?
- How often can I file bankruptcy?
- How will my creditors be notified of my bankruptcy filing?
- How will this affect anybody who has cosigned a loan for me?
- How will this look on my credit report?
- That court date isn’t good for me, do I have to go then?
- That’s a lot of information I need to get for you what if I can’t find it
- What is a hardship discharge?
- What would you do if you were me?
- When have I filed bankruptcy?
- Where do I send my chapter 13 plan payment?
- Who will know about this?
- Will filing bankruptcy affect my power, phone and other utilities?
- Will my employer know about this?
- Will my future employers know about this?
- Will this affect my spouse’s credit if she doesn’t file bankruptcy
- Will this be in the newspaper?
- Do I have to file bankruptcy with my spouse?
- Do I have to continue to pay my house payments after I file bankruptcy?
- Why do you charge so much when I do all the work?
- Why is it taking you so long?
- Should I keep my car (furniture, diamond ring, etc…) that is financed and do I need to keep paying the payments?
- Do I have to do anything after court (the meeting of creditors)?
- Do I have to list all of my creditors?
- Will I be able to borrow money after I file bankruptcy?
- How long is this going to be on my credit?
- What do I do if my creditors call me after I hire you?
- What do I do if my creditors call me after my bankruptcy is over?
- Will I lose everything if I file bankruptcy?
Showell Blades
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