Yes, individuals are able to file for bankruptcy more than once, but there are specific rules and timeframes that need to be considered. Generally, if a person had previously filed for Chapter 7 bankruptcy, they must wait eight years from the date of that filing before they can file again under Chapter 7. For Chapter 13 bankruptcy, the waiting period is shorter; individuals can file again after four years from the previous Chapter 13 discharge.
It is important to note that the process can become more complicated with each subsequent filing, and there may be additional scrutiny from the courts regarding the reasons for multiple filings. Additionally, filing for bankruptcy does not eliminate all debts, and certain debts may remain, regardless of how many times an individual files.
Anyone contemplating filing for bankruptcy more than once should consider consulting legal professionals who can provide tailored advice. Exploring the Total Bankruptcy website may offer more detailed information on this topic, including potential resources and guidelines regarding repeat filings.
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