How Often Can You File Bankruptcy in Arizona?

Bankruptcy can give people a fresh start and a chance to regain control over their financial situation. However, sometimes the unexpected happens, and you might find yourself struggling with insurmountable debt again in the future. Perhaps you suffered a serious illness and have an overwhelming pile of medical bills, or you have an enormous civil judgment against you. 

In this situation, you might wonder how often you can file for bankruptcy in Arizona. Can you file again if you already received a discharge of debts?

The answer depends on the specifics of your situation, and you should allow our Phoenix bankruptcy attorney to review your circumstances and advise you on your options. We are ready to find solutions to your unique situation today.  

Filing Another Bankruptcy

In Arizona, the frequency with which you can file for bankruptcy depends on the type of bankruptcy you previously filed and the type you’re considering filing again. For example:

• Chapter 7 to Chapter 7: If you’ve previously filed for Chapter 7 bankruptcy and received a discharge, you must wait eight years from the date of the previous filing to file for Chapter 7 again and receive another discharge.
• Chapter 13 to Chapter 7: If you’ve previously filed for Chapter 13 bankruptcy and received a discharge, you must wait six years from the date of the previous filing to file for Chapter 7 and receive a discharge.
• Chapter 13 to Chapter 13: If you’ve previously filed for Chapter 13 bankruptcy and received a discharge, you must wait two years from the date of the previous filing to file for Chapter 13 again and receive another discharge.
• Chapter 7 to Chapter 13: If you’ve previously filed for Chapter 7 bankruptcy and received a discharge, you must wait four years from the date of the previous filing to file for Chapter 13 and receive a discharge.
• Chapter 13 to Chapter 7 (with some debt repayment): If you’ve previously filed for Chapter 13 bankruptcy, received a discharge, and paid at least 70% of your unsecured claims, you may be eligible to file for Chapter 7 after one year.
• Chapter 7 to Chapter 13 (with some debt repayment): If you’ve previously filed for Chapter 7 bankruptcy, received a discharge, and paid at least 70% of your unsecured claims, you may be eligible to file for Chapter 13 after four years.

Note that these time limits are subject to change, and individual circumstances can vary. Additionally, if you’re seeking to file a different type of bankruptcy than what you previously filed, there may be different time limits or no waiting period required.

Consulting with our experienced bankruptcy attorneys in Phoenix, Arizona, is essential to understanding your specific situation and determining your eligibility to file for bankruptcy. We can provide tailored advice and guide you through the process based on your unique financial circumstances.

Discuss How Often You Can File Bankruptcy with Our Phoenix Bankruptcy Lawyers

Our legal team at EZ Legal Fees by WantAFreshStart oversees many complicated bankruptcy situations, including those involving multiple bankruptcies. If you have any questions about a possible case, contact our office right away to set up your consultation.