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Filing for Bankruptcy for a Second Time

Can I file for bankruptcy more than once?

Michigan Bankruptcy AttorneyMany people are surprised to learn that you can file for bankruptcy more than once. You will need to follow certain guidelines in order to qualify for bankruptcy a second time, most having to do with the waiting periods between filings. For example, if you filed for bankruptcy Chapter 7 the first time, you will need to wait 8 years before you can file for Chapter 7 again.

You will only have to wait 4 years if your previous bankruptcy was a Chapter 13, and you plan to file for Chapter 13 a second time. If you initially filed for a Chapter 13 and are now seeking bankruptcy protection under Chapter 7, the waiting period is six years. Chapter 13 can be filed after two years if your first bankruptcy was a Chapter 7.

The same first-time procedures for filing apply to your second time as well, including:

  • Credit counseling class before your petition is filed
  • A bankruptcy hearing
  • Completing a financial management class after your hearing and before your case is officially

If you are experiencing financial problems and were previously granted a bankruptcy, a Michigan bankruptcy lawyer can make sure that you are fully informed of the laws pertaining to a second filing and how they apply to your particular situation.

The Bankruptcy Process in Michigan

The bankruptcy process can be complex, especially if you are filing for a second time. Not only will you need to meet the requirements for a second filing, but your creditors may also be more difficult to work with. You should also expect the court to conduct a thorough review of your finances before a second bankruptcy is approved. My firm, Hensel Law Office, PLLC has extensive experience representing clients seeking bankruptcy protection, including individuals filing for a second time.

Attentive Service As You File the Second Time Around

As a Michigan bankruptcy attorney, I will work with you one-on-one, and make sure you are in full compliance with filing statutes before your petition is submitted. My firm assists individuals Sterling Heights and Warren, as well as in Madison Heights, Royal Oak and Clinton Township.

I provide my clients with a very high level of service and can discuss how to proceed with a second filing during a free initial consultation.

Client Testimonials

  • His knowledge and expertise made a very difficult time in our lives much easier.

    “From start to finish our experience with Mr. Hensel was great. He carefully and thoroughly explained the entire process to us and was always available for any questions or concerns we had. His knowledge and expertise made a very difficult time in our lives much easier. We are very thankful for his help in our situation.”

    Christine and John

  • Tom was the most professional.

    “I researched 3 attorneys before signing with the Hensel Law Office for my bankruptcy proceedings. Tom was the most professional and he explained all of my questions without trying to make a quick buck on me. I would recommend Hensel Law Office to my friends or family going through a similar difficult situation.”

    Jerry

  • Tom Hensel is definitely the right attorney to call!

    “I was referred to Tom Hensel by a friend. My first impression was not only was Tom professional but he's so kind and caring too. He helped my husband and I through an embarrassing, scary situation and definitely made it more positive one. He guided us through our options and helped us make the right decision for us which ended up being a chapter 7 bankruptcy. Tom was so knowledgeable and helped us throughout the whole process. He never once made us feel uncomfortable or dumb when we had questions. He was also very easy to get a hold of when questions would come up and would always return our calls and emails promptly. I strongly recommend Tom to anyone going through this kind of financial nightmare. Do yourselves a favor and call him right away. He will help you get on the right path again. Our only mistake was waiting so long to call him!! When we in court waiting our turn all the other attorneys referred to their clients as "The debtors" Tom on the other hand acknowledged us by our names. Little things mean a lot and that left a lasting impression with us. Tom Thank You again for all your help!!”

    Stacy S.

  • He always responded quickly and intelligently.

    “Mr. Hensel made a difficult and uncomfortable situation as easy as possible for me. He always responded quickly and intelligently to my questions and never made me feel as if I were bothering him. He explained the unknown aspects of bankruptcy, the court system, and my options in clearly understandable terms. I felt confident that he was handling my case in the best possible manner and in my best possible interests. I feel lucky to have found the Hensel Law Office and I never hesitate to refer others who could use assistance - because I know they will get superior service and help.”

    Kelly

  • I greatly appreciate your time and effort.

    “It was a great pleasure and relief working with you through that tough time. I greatly appreciate your time and effort on our case. I will gladly and confidently recommend you to anyone I know facing a tough financial time requiring your expertise.”

    Jay