Michigan Bankruptcy Attorney Personalized & Skilled Representation

Filing for Bankruptcy for a Second Time

Can I file for bankruptcy more than once?

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

  • Thank you very much for getting us through this very hard time in our lives.

    “I just wanted to thank you very much, for getting us through this very hard time in our lives. You did an excellent job. If anyone I know is in need of a lawyer, we will surely give them your name. Again thanks.”

    John and Linda

  • 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.

  • Utmost dedication and professionalism.

    “I chose to work with Tom Hensel after meeting with several big name firms in the area. Tom handled my unique situation with the utmost dedication and professionalism. The personal service I received from him made all the difference in my case. My only regret is that I didn't call him first.”

    Craig

  • We have and will continue to recommend you to others in need of a fresh start.

    “Dear Tom, my husband and I wanted to express our deepest thanks for the help you gave us during our embarrassing and stressful time. I was very impressed that you returned every phone call in a timely manner. You were able to explain exactly what was going to happen in words that "we" could understand. You answered every question we threw at you. The whole bankruptcy process from start to finish was complete in the time you told us it would take. Your professionalism yet friendliness made the whole experience for us almost enjoyable... almost! We have and will continue to recommend you to others in need of a fresh start.”

    Melissa

  • 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