We often work with clients that have filed previous bankruptcy cases and are now in need of a new discharge. The experienced bankruptcy attorneys at O'Bryan Law Offices know that the timing of bankruptcy filing is very important to ensuring you receive the discharge and relief you need. We file Chapter 7 and Chapter 13 bankruptcy cases for individuals and the timing for each of these Chapters differs. A basic breakdown of the time frames between discharge eligibility is as follows:

We often work with clients that have filed previous bankruptcy cases and are now in need of a new discharge. The experienced bankruptcy attorneys at O'Bryan Law Offices know that the timing of bankruptcy filing is very important to ensuring you receive the discharge and relief you need.

We file Chapter 7 and Chapter 13 bankruptcy cases for individuals and the timing for each of these Chapters differs. A basic breakdown of the time frames between discharge eligibility is as follows:

There must be eight (8) years between two Chapter 7 filings in order to be eligible for a discharge.

There must be two (2) years between two Chapter 13 filings in order to be eligible for a discharge.

There must be four (4) years between a Chapter 7 filing and subsequent Chapter 13 filing in order to be eligible for a discharge.

There must be six (6) years between a Chapter 13 filing and subsequent Chapter 7 filing (if the Chapter 13 filing was a Chapter 13 plan paying unsecured creditors less than 70 percent) in order to be eligible for a discharge.

Since every situation is unique, there are often reasons that someone may want to file a bankruptcy case even if they are not yet eligible for a discharge yet. The experienced bankruptcy attorneys at O'Bryan Law Offices will work with you to assess your unique situation and explain your options.

At O'Bryan Law Offices, we have helped thousands of individuals and families file Chapter 7 and Chapter 13 bankruptcies. Our clients have dealt with many of life’s challenges, resulting in overwhelming debt. They chose to address their debt head on and give themselves the fresh start they deserve. If you are interested in learning about your options through bankruptcy, make an appointment to speak with one of the experienced bankruptcy attorneys at O'Bryan Law Offices today. We now offer free “Life After Bankruptcy” courses to our clients to help them rebuild their credit score. Call us today at 502-400-4020 for a free bankruptcy consultation. Get a Fresh Start today!