Second time filing

[creditgone]

This may be my second time filing. I filed exactly 10 year ago. It came off of my credit report this year. I am really having a hard time with this. I know we are doing the right thing but I feel so bad. I have been trying to avoid this for so long because I have been through it. I worked sooooo hard to get my credit perfect again. This year was the first year it was perfect and now it will be crap again. We thought about having my DH do it but we have 2 joint accounts and the lawyer said it wouldn't make sense. The first time was just stupidity. I was very very young and had no idea. This time it was just circumstances beyond our control but I still feel horrible. What if they dont let me because I already filed? I am really worried we will be in this mess and our kids will suffer.

[keepmine]

Since it's been 8 years from your prior Chapter 7 filing, nobody can prevent you from filing again.

[JRScott]

If its been 10 years you can file a new bk petition no problem.

[AngelinaCat]

The trustee may ask why you are filing the second time. If that happens, say what you said here in your post.

Good luck and have a Happy, healing New Year!

[rrj]

The trustee may ask why you are filing the second time. If that happens, say what you said here in your post.

Good luck and have a Happy, healing New Year!

it depends on how the trustee ask you if you have filed before

if he says have you filed in the last 8 years. you just say no and that its

if he says have you ever filed you have to answer yes

mine asked in the last 8 years i said no

I made the same mistake in 98 young and foolish and never got my credit report fixed and wound up with high installments loans.

im older and wiser now and will not make the same mistakes again

[Flamingo]

You are eligible to file again as to length of time from your first filing; however, since you will be a "repeat" filer, your matter may be viewed more closely than usual. Many people just cannot learn to budget or handle money after going through a previous Chapter 7 (Chapter 13's force people to learn how to budget). Many people post on here how they are bombarded with all sorts of high fee/interest credit cards and car loans after discharge and before they know it, in a few years they are back in the same credit mess. Learn from this filing - learn how to save and work on a budget. It is not easy but it's better than becoming a serial bankruptcy filer. Of course there are circumstances that are beyond anyone's control if there is extreme medical debt or a really bad divorce situation, but if one has a budget and savings in place due to planning, a lot of future surprises can be avoided or better dealt with.

Best of luck to you...