Can Past Bankruptcies Disqualify Me From Filing Again in Ohio?

Past bankruptcies will not disqualify you from filing for bankruptcy, but there are rules you’ll need to follow before filing again.

You’ve filed for bankruptcy in Ohio in the past, and now you find yourself in a position where you may have to file again. However, you’re wondering: is this even possible? Or will I not be able to file again? By discovering the answer, you can decide which move is right for your financial future.

Can I File for Bankruptcy Again?

You will not be disqualified for filing for bankruptcy again, and there is no limit on the number of times you can file. However, there is a waiting period in between filings.

People will typically file for Chapter 7 or Chapter 13 bankruptcy. If you filed for Chapter 7 previously and you want to file for it once again, you’ll need to wait eight years from the time you filed. If you are looking to file for Chapter 13 bankruptcy again, then you’ll need to wait two years.

If you filed for Chapter 13 bankruptcy the first time and now want to file for Chapter 7, you’ll need to wait four years. You’ll also need to wait four years if you did Chapter 7 the first time and now you’re doing Chapter 13.

Steps to File for Bankruptcy

When you’re ready to file bankruptcy, you can reach out to an Ohio bankruptcy attorney for help. They will assist you with determining which type of bankruptcy is right for you, filing your petition with the bankruptcy court, and getting all your documents in order. Even if you’ve previously filed, you may need assistance throughout this process, and an experienced attorney can help.

Get in Touch With Richard P. Arthur

Richard P. Arthur, Attorney at Law, will help you with filing for Chapter 7 or Chapter 13 bankruptcy. You can call 937-254-3738 for a consultation. He has nearly three decades of experience helping clients in Dayton and Trotwood, as well as Montgomery, Greene, Miami, Clark, and Warren counties.