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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.

How Often Can You File for Bankruptcy in Michigan?

When filing for a second bankruptcy in Michigan, different waiting periods apply depending on your past and current filing.

When filing for bankruptcy a second time, the following waiting periods apply:

  • Previous Chapter 7 filing and filing again: 8 Years
  • Previous Chapter 13 filing and filing again: 4 Years
  • Previous Chapter 13 filing, now filing Chapter 7: 6 Years
  • Previous Chapter 7 filing, now filing Chapter 13: 2 Years

You must also meet specific income requirements, and you must not have been barred previously by the bankruptcy court.

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.

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

  • Sincerest thanks for all of your help in affording me what I consider a real "fresh start."

    “I wanted to give you my sincerest thanks for all of your help in affording me what I consider a real "fresh start". My divorce was unfortunate but definitely a needed change for the better. However, the financial side of things still seemed to keep that past linked, which makes this an enormous weight lifted. I just can't believe the impact it's made on my outlook with...everything.I will be sure to keep your business cards handy to distribute along with highly favorable words of recommendation should the needs arise.Thank you again for your time and professional guidance.”

    Michelle

  • 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

  • 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

  • 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