“Dear Lewis,

I went bankrupt 6 1/2 yrs ago.. My wife has been ill and has had 4 major surgeries in the past 3yrs…I owe thousands of dollare in medical. Can I go bankrupt again. Please help.

when can i go bankrupt again.I live in Reno,Nevada

Roman”

Dear Roman,

I assume you filed a chapter 7 last time. So you need to wait 8 years from the filing date of the last case until the filing date of any new chapter 7 case.

If you need to file right away to stop a creditor, you are eligible to file a chapter 13 right now. I have clients who are “parked” in a chapter 13 right now until they are eligible for a chapter 7 again. At that point, we dismiss the chapter 13 case and file a new chapter 7 case.

You need to speak with a bankruptcy attorney to carefully plan a chapter 7 when you are eligible again.

Good luck!

My name is Lewis Roberts and I’m an attorney licensed in Florida and Georgia. My practice focus is consumer bankruptcy, real estate issues/closings, and mortgages. I also have Florida real estate broker and mortgage broker licenses. I am a proud member of the National Association of Consumer Bankruptcy Attorneys (NACBA), National Association of Consumer Attorneys (NACA), and a graduate of Max Gardner’s Bankruptcy Boot Camp. I enjoy helping people with decisions that impact their financial well-being.

Legal Disclaimer: This is for educational purposes only. It is not to be relied upon as legal advice. It also does not create an attorney-client relationship. No such relationship is formed with attorney without a written agreement.

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