Bankruptcy – How Many Times Can I File?

You filed a Walworth County bankruptcy and the future looked bright. However, life happened and you are now in arrears, again. Some things in life cannot be predicted or avoided, such as unforeseen medical issues. If you recently filed a Walworth County bankruptcy and are now in debt, you may ask, “How many times can I file bankruptcy in Walworth County?”

Walworth County bankruptcy how many times can I fileThe answer to this question depends on whether your last Walworth County bankruptcy filing was actually discharged by the bankruptcy trustee. The answer to this question also depends on what type of Walworth County bankruptcy you filed. We’ll break it down for you:

If you filed a Walworth County Chapter 7 Bankruptcy:

If you received a discharge from the bankruptcy judge in a Walworth County Chapter 7 bankruptcy filing, you cannot receive another Chapter 7 discharge for eight years. If you received a discharge from the bankruptcy judge in a Chapter 7 bankruptcy filing, you cannot receive a Chapter 13 discharge for four years.

If you filed a Walworth County Chapter 13 Bankruptcy:

If you received a discharge from the bankruptcy judge in a Walworth County Chapter 13 bankruptcy filing, you cannot receive another Chapter 13 discharge for two years. If you received a discharge from the bankruptcy judge in a Chapter 13 bankruptcy filing, you cannot receive a Chapter 7 discharge for six years.

Walworth County Bankruptcy Filing Without Discharge

If you filed for either a Chapter 7 Walworth County bankruptcy or a Chapter 13 Walworth County bankruptcy, but did not receive a discharge from the bankruptcy judge, there is no time restriction. Of course, this depends on why you did not receive the discharge in the first filing. Consult your Walworth County bankruptcy attorney for more details.

Alternative Walworth County Bankruptcy Options

If you fall into any of the above timeframes and are unable to file a Chapter 7 or Chapter 13 Walworth County bankruptcy, a Walworth County Chapter 128 debt amortization plan may be a viable option. A Chapter 128 debt amortization plan is less expensive, stops garnishments and interest for accruing, and often does not require a court appearance. Contact Wynn at Law, LLC to discuss this alternative option.

Walworth County Bankruptcy Attorney Offers Free Consultation

Wynn at Law, LLC is happy to answer any questions you have regarding a Walworth County bankruptcy. Call our office for a free, no obligation consultation at 262-725-0175.

 

elkhorn wisconsin bankruptcy attorney assessmentFind out if you qualify for bankruptcy.

 

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*The content and material on this web page is for informational purposes only and does not constitute legal advice.

Photo by Flickr Creative Commons Emma Craig

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