Filing for Bankruptcy a Second Time
Facing financial hardship and filing for bankruptcy can be difficult, but it can be even more trying to be forced into file for bankruptcy a second time. However, this is often necessary to regain control over your finances. Many people are unaware that they have the option to file for bankruptcy a second time. In fact, there are no restrictions on the number of times you can file for bankruptcy in your lifetime. The only restriction is how frequently you can apply.
You need a professional legal representative on your side to help you any time you file for bankruptcy. However, this is especially true for a second or repeated bankruptcy. Our Boston Chapter 7 lawyers can help you every step of the way. Contact the Boston bankruptcy attorneys of Joshua Spirn & Associates today at 800-975-5346 and schedule a consultation to discuss your legal options.
Time Restrictions for Bankruptcy
The time restrictions specifying how frequently you can apply for bankruptcy are very strict. In addition, they can be confusing because these restrictions also differ depending on the bankruptcy chapter.
If you originally filed for Chapter 7 bankruptcy, the following time restrictions can apply:
- You cannot file for Chapter 7 again for eight years
- You cannot file for Chapter 13 bankruptcy for four years
If you filed for Chapter 13 bankruptcy originally, you may face the following challenges:
- You must wait six years to file for Chapter 7 bankruptcy
- You have to wait at least two years to file for Chapter 13 again
Fortunately, the experienced Boston Chapter 13 lawyers are here to help you understand your bankruptcy rights and options.
Contact Us
You need a legal professional to make sure you file for bankruptcy legally and correctly. If you are facing financial struggles, the time to act is now. Contact the Boston bankruptcy lawyers of Joshua Spirn & Associates today at 800-975-5346 and schedule a free case consultation.
