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Filing Bankruptcy for the 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. If you are experiencing financial problems and were previously granted a bankruptcy, our 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 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

Need to file bankruptcy a second time? Reach out to my office in Sterling Heights for a free consultation on your options.

The Process for a Second Bankruptcy Filing 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.

Different waiting periods apply depending on the type of bankruptcy you filed and plan to file. These waiting periods are as follows:

  • You filed for Chapter 7 before and are filing again: 8 Years
  • You filed for Chater 13 before and are filing again: 4 Years
  • You filed for Chapter 13 and are now filing for Chapter 7: 6 Years
  • You filed for Chapter 7 and are now filing for Chapter 13: 2 Years

Attentive Service Through Your Second Bankruptcy Filing

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

  • You made a difficult experience so much easier.

    “Back a few years ago, you helped me through a bankruptcy. I still tell people how you made a difficult experience so much easier, with your clarity, support, and friendly approach to the law. I'm still very appreciative for all your help – it really helped to pull me out of a difficult place and put my life back on track.”

    Eric

  • 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

  • Mr. Hensel walked me through every step.

    “I would highly recommend the Hensel Law Office!! Mr. Hensel walked me through every step, got my garnishments stopped very quickly (even got garnished wages returned to me!) and told me what to expect along the way. He answered all of my questions in a very timely manner- no matter what time I sent an email or gave him a phone call. Also, I felt his price was very reasonable compared to some of the other places that I called. Mr. Hensel answered plenty of questions that I had before I even became a client.”

    Carl

  • 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

  • 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