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.

Timing Bankruptcies and Discharges Properly

There are times when a person may be unable to escape financial problems after a bankruptcy. For example, they may suffer a serious injury, lose their job, or fall into debt again due to some other catastrophic financial problem after their previous discharge. If this is the case, the struggling party may wish to consider filing bankruptcy anew after their initial bankruptcy is finished. However, there are legal limitations on the timing of such an action.

If you are contemplating a second or subsequent bankruptcy filing, we can help you to determine whether you are eligible to file again. To discuss your circumstances with a sympathetic and experienced attorney, contact the Birmingham bankruptcy lawyers of Greenway Bankruptcy Law, LLC, by calling (205) 324-4000.

Wait Times for Debt Discharges

In order to prevent abuse of the bankruptcy system, there are wait times imposed that bar an individual from entering a swift-moving cycle of accruing and discharging debts. The following are some basic guidelines regarding these restrictions:

  • After a Chapter 13 discharge, debtors must wait 2 years from the first case’s filing date
  • After a Chapter 7 discharge, debtors must wait 8 years from the first case’s filing date
  • For Chapter 7 cases after a Chapter 13 discharge, debtors must wait 4 years
  • For Chapter 13 cases after a Chapter 7 discharge, debtors must wait 6 years

If a person pays back their unsecured creditors in full in a Chapter 13 case, they may have the 6-year waiting period waived by the courts for filing Chapter 7 bankruptcy. This is also the case if these debtors cover 70 percent or more of their debts to the best of their ability in their Chapter 13 case.

Contact Us

For assistance with a potential second or third bankruptcy, contact the Birmingham bankruptcy attorneys of Greenway Bankruptcy Law, LLC, at (205) 324-4000 today We will help to ensure that you are fully and properly advised of your legal rights.

"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."
Robin M
"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."
Robert M.
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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