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When Can I File Bankruptcy?

Posted By Majed on Nov 18, 2011 7:00am PST

If you have never filed bankruptcy before and have not recently moved there is no waiting period in order to file bankruptcy. If you have never filed bankruptcy before but have recently moved to Texas, you must have lived here 91 of the last 180 days before you can file for bankruptcy.

If you have previously filed for bankruptcy then there are different guidelines. If you are a repeat Chapter 7 filer you must wait 8 years before filing another. If you file Chapter 13 the second time you must wait 4 years before obtaining a Chapter 13 discharge. If you have previously filed Chapter 13 you must wait 6 years before filing Chapter 7 and 2 years to file a Chapter 13.
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