Transcript:
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Some people are surprised to learn this, but uh no bankruptcy is not just a one-time thing. Uh no one wants to come see us multiple times, but uh we do have quite a few repeat customers. Things uh happen and they may not only happen once in your life. So uh the most common circumstance where someone files more than one bankruptcy is in chapter 13. And that’s a payment plan through the court where often people are paying back uh house payments they’re behind on, maybe a a vehicle that they’re behind
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on, it’s being paid through chapter 13. And sometimes uh within that uh 3 to 5 year period of their case, maybe someone loses a job uh something uh happens negatively and they get behind on the payments to the court and the court dismisses their case eventually. Well, then they come back and file another case to reprotect their house and car and uh get a second chance. So, that’s common. Uh but then uh even if someone successfully completes a chapter 7 or chapter 13 case, people can still file
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again. Uh such as a chapter 7, you can file it uh once 8 years passes since a previous chapter 7. uh chapter 13 uh to 13 there you must wait two years after the case has been filed and uh and chapter 13 to 7 and 7 to 13 then there are four to six year time periods for that. So yes, uh you’re not barred from ever filing again.
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