Bankruptcy doesn't have to be something bad.
It can actually be the start of something good.
Your situation is unique, and it's personal.
Your attorney should be as well.

Time between Bankruptcies

According to the Bankruptcy Abuse Prevention and Consumer Protection Act, a debtor must wait a predetermined amount of time before they are allowed to file for a second or additional bankruptcy. The law changed this wait time in an effort to cut back on debtors taking up considerable amounts of debt without any measure of responsibility, and promptly defaulting on those debts. However, this wait time can put considerable strain on debtors who need Chapter 7 protection.

To discuss your bankruptcy options when filing for a second or additional bankruptcy, contact the Birmingham bankruptcy attorneys of Greenway Bankruptcy Law, LLC, at (205) 324-4000 today.

Changing Wait Times under BAPCPA

According to the 2005 changes to the bankruptcy code created under BAPCPA, a debtor now has to wait longer to file for bankruptcy if this is their second or more filing. According to BAPCPA regulations, the following wait times must be followed:

  • After BAPCPA, Chapter 7 debtors must wait 8 years between bankruptcies
  • Before BAPCPA, Chapter 7 debtors waited 6 years between bankruptcies
  • Chapter 13 debtors must wait 6 years between bankruptcies

While BAPCPA affected the wait time between Chapter 7 bankruptcies, the law had no effect on Chapter 13 bankruptcy wait times.

Contact Us

If you are considering filing for bankruptcy, there may be many limitations imposed by recent changes to the Bankruptcy Code. To learn more about your legal options when you are considering bankruptcy, contact the Birmingham bankruptcy lawyers of Greenway Bankruptcy Law, LLC, by calling (205) 324-4000.

"When I had my power cut off because I just didn't have the money to pay the power bill, a friend suggested I call Paula Greenway. From the moment I walked in her office I felt like a burden was lifted from my shoulders."
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"I would just like to say that I was impressed by the staff of Greenway Bankruptcy Law, LLC and their attention to professionalism. They made the bankruptcy process not only pleasant but simple."
Jennifer S.
I can't tell how comforting it is to know your attorney is working on your case. I would and have recommended their service to friend and associates."Ed H.
"I would like to thank Greenway Bankruptcy Law, LLC for the way in which they handled my bankruptcy case."
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Greenway Bankruptcy Law, LLC
505 20th St N #1220
Birmingham, AL, 35203
Phone: (205) 324-4000
Tuscaloosa: (205) 737-3350
Gadsden: (256) 467-6650

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Greenway Bankruptcy Law, LLC All rights reserved. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The following language is required pursuant to Rule 7.2, Alabama Rules of Professional Conduct. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

Greenway Bankruptcy Law, LLC 505 20th St N #1220, Birmingham, AL, 35203 | Phone Number: (205) 324-4000