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Transcript:
It’s the same nationwide; the bankruptcy rules are federal, so it’s the same for everyone.
And it’s a little bit different depending on the chapters.
If someone has filed a Chapter 7 in the past and they’re seeking to file another Chapter 7,
that must be eight years in between. So that’s from filing date of the first case to filing date of the second case.
If someone has filed a Chapter 7 in the past, and then now they’re seeking to file a Chapter 13 case, then to be eligible to discharge or wipe out debts with the new Chapter 13 case, it must be four years from filing date to file date — from the 7 to the 13.
If someone is filing two Chapter 13 cases — one in the past and then one now — to be eligible to discharge debts in the new Chapter 13 case, it must only be two years in between for that.
And that’s really never a factor, because Chapter 13 cases normally take three to five years anyway. So people can essentially file Chapter 13 cases just back to back to back to back.
So that’s a summary of the rules for the time — the years — that people must file in between.
Now, some people can file Chapter 13 even before they’re eligible to discharge or wipe out any debts,if they have a situation such as they’re just trying to pay back or prevent losing a house or a car or something like that.
So it’s kind of technical, but hopefully those explanations are clear.
