If you have a prior Chapter 13 bankruptcy case within two years, and it was also discharged, then you won’t be able to receive another one until at least two years have passed. For a Chapter 7 bankruptcy, you will need to wait at least four years after a discharge to receive a subsequent Chapter 7 discharge. You are, however, able to file for Chapter 7 or Chapter 13 bankruptcy within these time periods. The only caveat is they will not be discharged until the required time has passed.
Example: You can file for Chapter 13 as soon as you have received a Chapter 7 discharge (to deal with liens and debts that survived the Chapter 7), but your Chapter 13 bankruptcy will not be discharged until at least four years pass since you filed the prior Chapter 7 bankruptcy.
For more information, contact the Goldbach Law Group at 562-537-8629 or firstname.lastname@example.org.