Filing bankruptcy can adversely affect your ability to obtain future credit, rent housing and even negatively impact a job application. Any decision to file must be carefully considered.
o Chapter 7 – can be filed every 8 years from a previous Chapter 7 filing, or 6 years from a prior Chapter 13 filing.
o Chapter 13 – ANYTIME, although discharge in granted only in cases where the case is filed 4 years from a prior Chapter 7 filing, or 2 years from a prior Chapter 13 filing.
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