can I file for ch7/my last date

[rontiss1]

Greetings to all:

Can I file for chapter 7, my last chapter 7 was done in October, 2003.....

Tks,
Rontiss1

[music12]

not yet; it's either 7 or 8 year, i think 8. you have to wait to 2011. too bad you got into the same trouble again.

[lrprn]

Can I file for chapter 7, my last chapter 7 was done in October, 2003.....

The bk law changed in October 2005. Now you must wait eight years from your 2003 Ch 7 filing date before you can file Ch 7 again and receive a discharge.

If according to the required Means Test and Schedules you have sufficient disposable income to support a Ch 13 plan and your secured creditors will receive what they would have received in a Ch 7, then you can file a Ch 13 now and receive a discharge after your Ch 13 payments are completed.

Set up 3-4 free initial consultations with experienced bk lawyers in your area to find out what you can do and what you can't. Good luck to you!

(By the way, rontiss...I deleted your duplicate post asking this same question in another forum. When you joined BK Forum, you agreed to follow our forum rules. One of those rules forbids duplicate posts asking the same question in different forum areas. In the future, please avoid this - thanks!)