Look, here’s the deal with filing bankruptcy multiple times in Michigan – and yeah, this applies across the whole U.S. You can’t just keep filing Chapter 7s back-to-back whenever you want. The federal courts put some strict rules in place about this.
Whereas the party (that’s you) has previously filed for Chapter 7 bankruptcy protection and received a discharge of debts therein, said the party must wait a period of no less than eight (8) years from the date of initial filing before submitting any subsequent Chapter 7 petition.
Now, if your last bankruptcy got thrown out and you never actually got your debts discharged, that’s different – you might be able to file again right away. Just keep in mind that judges tend to raise their eyebrows at people filing multiple times in quick succession. Some of the usual bankruptcy protections might not kick in.
Per applicable statute, if you previously went the Chapter 13 route, here’s what you’re looking at for filing Chapter 7: You’ve got to wait 6 years from when you filed Chapter 13 unless you can prove you paid your creditors at least 70% of what you owed them in good faith.
Furthermore, given the complex nature of bankruptcy proceedings and the variability inherent in individual circumstances, parties are advised to seek competent legal counsel licensed to practice in the State of Michigan before pursuing any course of action.
In plain English: This stuff gets complicated fast. Talk to a bankruptcy lawyer in Michigan who can look at your specific situation and tell you what’s what.
