Experienced Greater Cincinnati Second Bankruptcy Lawyer
Among the common misconceptions about bankruptcy, one is that bankruptcy is a once-in-a-lifetime event. If you have filed bankruptcy in the past, you cannot seek debt relief through bankruptcy again. However, this is not true at all. An experienced bankruptcy attorney like me, Patrick J. Conway, can help you understand your rights to file bankruptcy again if you are struggling with debt once again.
Based in Cincinnati, I represent individuals interested in repeat bankruptcy filings in Ohio or Northern Kentucky. Because each state is subject to the U.S. Bankruptcy Code, the laws governing repeat filings are the same for both Ohio and Kentucky, and I am licensed to represent clients in both states.
Can You File Bankruptcy Again? Most Likely Yes!
Bankruptcy is your opportunity to remove overwhelming debt and obtain a fresh start, whenever you need it. If you have filed bankruptcy in the past, the following laws outline when you can file again:
- You must wait a minimum of eight (8) years to file Chapter 7 bankruptcy again if you received a Chapter 7 discharge in the past.
- You may file for Chapter 13 bankruptcy even if you received a Chapter 7 discharge in the last eight years, though some technical restrictions may apply.
- If your original claim was dismissed in either Chapter 7 or 13, you may file bankruptcy again at any time.
Repeat filings can be especially helpful for those who have filed Chapter 7 within the last eight years and who may now be eligible to file Chapter 13 bankruptcy to reorganize and pay off remaining debts. As your lawyer, I will help you understand your options for filing bankruptcy again and whether it would be the most beneficial method to take care of your debts.
Understand Your Rights Before You Take Action
To determine whether you would benefit from a repeat bankruptcy filing, contact me online or call my office at 513-924-4517 to schedule a free initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.