Debt Collection Process

can i file for chapter 7 bankruptcy twice?

i filed chapter 7 bankruptcy in 1999 jointly with my wife. it's still on my credit report for another year. i have 40000 grand in credit card debt again.i know the laws have changed for bankruptcy.can i file jointly again and still reaffirm my mobile home loan and keep my crappy cars that are paid off,but they are badly damaged by hail so probably worthless. basically am i allowed to file chapter 7 bankruptcy again?

Public Comments

1. You need to look at your state laws. Yes, you can file again, but what you are allowed to keep depends on your state. If the cars are crappy maybe you should find a way to sell them and get a decent car prior to filing bankruptcy. I wish you luck.
2. How irresponsible are you??? You think it is fair to just file bankruptcy so you can keep spending, spending, spending and never have to pay back your debts?? Get 2 more jobs to pay off your debts and learn not to spend more money than you are making!
3. Well I am glad I am not in your shoes, but I don't understand why you need to file again. Not to harp, but didn't you learn your lesson the first time and it seems like you don't have anything to show for it? I'm not trying to be mean b/c I don't know your entire story. To answer your question I believe you can file bankruptcy again, but each state is different. I know the bankruptcy laws have gotten harder though. Good luck!
4. I believe its 10 years now, you might want to Christian Credit Counsels a call, they could guide you on a few ways to get yourself out this mess
5. You can file again at this point but since the laws have changed, it may be a more difficult road for you.
6. Mark...you can review more information on filing at www.usbankruptcy.gov With the new laws you cannot file for 8 years after the discharge date of your first filing. Your best bet is to contact a local attorney as they will see you on a free first consultation. Also with the new laws you are required to take a mandatory credit counseling course in a chapter 7, but you need to find out what you qualify for first. The new laws for a chapter 7 require you to pass a "means test", based on income. If you file jointly with your wife and you make too much income per your state, you would have to go into a chapter 13 filing. You will need to provide all your paycheck stubs, assets, list of all your debt and last 4 years of taxes for an attorney to tell you what you qualify for. You can review these websites as well...www.bcsalliance.com this is a great site on debts, credit and bk info....or www.totalbankruptcy.com Good Luck!!