You have filed a bankruptcy before and now you need help with your debts again. You are wondering when you can file a bankruptcy again and if you can get a discharge of your debts in the new bankruptcy case.
2 – 4 – 6 – 8 Rule
Follow the 2 – 4 – 6 – 8 rule to determine if you can get a discharge in a subsequent bankruptcy. You count from the filing date of the old petition to the filing date of the new petition.
- 2 years between 13s –1328(f)(2)
- 4 years between an old 7 and a new 13 –1328(f)(1)
- 6 years between an old 13 and a new 7 –729, 727(a)(9)
- 8 years between 7 –727(a)(8)
Thanks to my blogging colleague from Bankruptcy Law Network, attorney Andy Miofsky of Southern Ilinois, who coined the term 2 -4 -6 – 8 rule.
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About Jill Michaux
