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Filing for Bankruptcy for a Second Time

Can I file for bankruptcy more than once? Michigan Bankruptcy Attorney

Many 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. A 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, your creditors may 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

  • 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

  • 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

  • We couldn't have gotten through this difficult process without Tom.

    “We couldn't have gotten through this difficult process without Tom. We evaluated a number of bankruptcy attorneys and found Tom to be the most knowledgeable and compassionate. He takes the time to explain all aspects of the process and answers your questions thoroughly and promptly both in person and via email. He knows the law and ensures that you receive the best treatment possible depending on your particular situation.”

    T & J

  • Professional, competent, empathetic attorney.

    “My husband and I were forced into a position to file for Chapter 7 bankruptcy. We were devastated and mortified that we had to choose that route, but Tom eased our stress about the filing and court hearing process, as he thoroughly explained what Chapter 7 entails, as well as exactly what to expect during and after the filing process; he was accurate on each point that he advised us on. Tom also kept in frequent contact with us and responded quickly to any questions or concerns that we had while we worked with him. Tom's expertise and tact was invaluable for us, and we will absolutely recommend him to any of our friends and relatives that may find themselves in similar positions to ours. Thank you, Tom, for your dedicated help during this process.”

    EJO