My husband needs to file for his 2nd time. It's been over 8 years. Can someone lead me to a thread that has discussed this. I am doing fine after my BK and rebuilding my credit, thanks to this forum for a lot of good advice. I noticed when I went before the trustee in my case that others at the hearing were filing for a second time. I guess what I really want to know is if this going to affect me. His cards are in his name. We live in Missouri.
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Shouldn't affect you so long as there is no joint debt and you don't file bankruptcy.
There is nothing particularly special about a 2nd Bk, so long as you have waited the appropriate cooling off period, no one really cares.
Cooling off periods are
7 to 7, eight years
7 to 13, four years
13 to 7, six years
13 to 13, 2 years
The time is calculated from filing date to filing date. -
Thanks so much for the reply!Comment
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