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How often can I file bankruptcy?

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.

  • Free Consultation

    Many questions about bankruptcy are difficult to answer on a website, that's why we offer a free consultation for anyone that is considering bankruptcy as an option.
  • Learn More About Bankruptcy

    If its time to start considering a step toward bankruptcy we're here to help. I have been helping people through the process of filing bankruptcy in South Carolina for over 20 years. We are here for you if you have questions.
  • Download Bankruptcy Guide

    This guide is full of useful information about bankruptcy. It's a large PDF so it may take a few seconds to download.
  • Can I go to Jail for not Paying my Bills?

    No, not unless you committed a crime in the creation of the debt (for example, fraud). Simply borrowing money and not being able to pay it back is not a crime. Many creditors representatives will tell you lies on the telephone and say that they will have you put in jail. Perhaps they are too ignorant to know they are wrong or that it is illegal for them even to say that. See More Bankruptcy Q&A