Filing for Repeat Bankruptcy?

Repeat Bankruptcy in Florida

File successfully with a Gainesville bankruptcy attorney!

The thought of filing for bankruptcy twice can seem taboo and many people are hesitant to do so, even if their financial circumstances would benefit as a result. If you are experiencing similar reluctance, rest assured that repeat bankruptcy is nothing to be ashamed of and is completely permissible by law.

It is, however, important to be aware of the requirements for repeat bankruptcy before filing. I have been assisting Gainesville residents with the bankruptcy process for over 20 years and am capable of guiding you toward a favorable outcome. With an in-depth knowledge of the law and a commitment to my clients’ best interests, you can have confidence in my representation.

Pursue financial relief by speaking with a bankruptcy lawyer from my firm today.

What are the requirements for repeat bankruptcy?

Bankruptcy law is complex and repeat filings are no different. The time limits imposed on those who hope to file again apply to anyone whose debt was discharged in their first filing. If your debt was not discharged, you are not bound by the same constraints.

Federal law requires anyone filing twice to abide by the following time constraints:

  • Eight years: anyone filing for Chapter 7 after filing a previous Chapter 7 bankruptcy
  • Six years: anyone filling for Chapter 7 after filling a previous Chapter 13 bankruptcy
  • Four years: anyone filing for Chapter 13 after filing a previous Chapter 7 bankruptcy
  • Two years: anyone filing for Chapter 13 after filing a previous Chapter 13 bankruptcy

Each bankruptcy case is different and your previous filing may have a unique effect on your second filing. My firm takes the time to understand the specifics of your situation before crafting a strategy that best meets your needs. I am here for you throughout the entirety of your case and can deliver the compassionate legal counsel you need.

If you are ready to take control of your finances, contact my firm today! Personal representation from a Gainesville bankruptcy attorney is just a phone call away.

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  • “She was right there with us from start to end. She was very fast at returning phone calls and emails.”

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  • “She took the stress from my situation off of my shoulders.”

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  • “Atty. Cusumano is a blessing! She took a stressful situation and let you see that there is light at the end of the tunnel.”

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  • “he has great compassion and never makes you feel ashamed, this is a delicate matter and she handles ever step of the way with grace.”

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  • “Barbara Cusumano was very patient with me and told me everything I needed to know about Ch. 13 and then some.”

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