{"id":3667,"date":"2021-05-21T07:44:05","date_gmt":"2021-05-21T07:44:05","guid":{"rendered":"https:\/\/phoenixfreshstartbankruptcy.com\/?p=3667"},"modified":"2022-08-18T09:11:23","modified_gmt":"2022-08-18T09:11:23","slug":"how-often-can-you-file-bankruptcy-in-arizona","status":"publish","type":"post","link":"https:\/\/phoenixfreshstartbankruptcy.com\/how-often-can-you-file-bankruptcy-in-arizona\/","title":{"rendered":"How Often Can You File Bankruptcy in Arizona?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you\u2019ve filed bankruptcy before, you know how it helps you when you become overwhelmed with debt. The automatic stay stops any efforts from collection agencies and debt collectors to get you to repay the debt and the bankruptcy discharge erases your obligations to repay them.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, this pandemic may have put you in another financially tough situation. You find yourself dealing with wage garnishment and collection calls from all your medical debt, tax debt, student loan debt, <a href=\"\/credit-card-debt\/\">credit card debt<\/a>, among others. If this is you, you can ask the bankruptcy court for bankruptcy protection for another time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this article, we\u2019ll discuss how many times you can file for bankruptcy, as well as the qualifications and limitations you\u2019ll face if you decide to file again, according to bankruptcy laws. If you have any clarifications, it\u2019s best to ask <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/\"><span style=\"font-weight: 400;\">an experienced Phoenix bankruptcy attorney<\/span><\/a><span style=\"font-weight: 400;\"> to address your bankruptcy case.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bankruptcy_Overview\"><\/span><span style=\"font-weight: 400;\">Bankruptcy Overview<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-663cc66d34e76\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-663cc66d34e76\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-often-can-you-file-bankruptcy-in-arizona\/#Bankruptcy_Overview\" title=\"Bankruptcy Overview\">Bankruptcy Overview<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-often-can-you-file-bankruptcy-in-arizona\/#Whats_the_Limit_on_Declaring_Bankruptcy\" title=\"What\u2019s the Limit on Declaring Bankruptcy?\">What\u2019s the Limit on Declaring Bankruptcy?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-often-can-you-file-bankruptcy-in-arizona\/#Time_Limits_between_Filing_for_Bankruptcy\" title=\"Time Limits between Filing for Bankruptcy\">Time Limits between Filing for Bankruptcy<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-often-can-you-file-bankruptcy-in-arizona\/#Bottomline\" title=\"Bottomline\">Bottomline<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"alignright wp-image-3668 size-medium\" title=\"File Bankruptcy in Arizona\" src=\"https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-in-Arizona-300x300.jpg\" alt=\"File Bankruptcy in Arizona\" width=\"300\" height=\"300\" srcset=\"https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-in-Arizona-66x66.jpg 66w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-in-Arizona-100x100.jpg 100w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-in-Arizona-150x150.jpg 150w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-in-Arizona-200x200.jpg 200w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-in-Arizona-300x300.jpg 300w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-in-Arizona-400x400.jpg 400w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-in-Arizona-600x600.jpg 600w, https:\/\/phoenixfreshstartbankruptcy.com\/wp-content\/uploads\/2021\/05\/Bankruptcy-in-Arizona.jpg 626w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>Before we discuss the number of times it\u2019s possible to <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/how-often-can-you-file-for-bankruptcy\/\">file for bankruptcy<\/a>, we\u2019ll give you a brief overview of the different types of bankruptcy you can typically file under the US bankruptcy code.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A Chapter 7 bankruptcy is also known as liquidation bankruptcy. For this chapter, a trustee takes your assets and sells them to repay your creditors.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-13\/chapter-13-bankruptcy-phoenix-arizona\/\">Chapter 13 bankruptcy<\/a> is a reorganization bankruptcy. This is your choice if you want to keep your car from repossession or save your home from foreclosure. You propose a repayment plan which usually takes 3-5 years. This gives you breathing room to repay the debt owed as well as discharge some of the debts after bankruptcy.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Whats_the_Limit_on_Declaring_Bankruptcy\"><\/span><span style=\"font-weight: 400;\">What\u2019s the Limit on Declaring Bankruptcy?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You can declare bankruptcy as much as time allows. The issue is time. The Bankruptcy Code requires that some time has passed after the previous bankruptcy discharge so you can file another bankruptcy petition. This is abuse prevention of the bankruptcy process as people can just take lots of credit than just file bankruptcy to eliminate their debt.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Time_Limits_between_Filing_for_Bankruptcy\"><\/span><span style=\"font-weight: 400;\">Time Limits between Filing for Bankruptcy<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Below we\u2019ll list down the time requirement for filing bankruptcy, depending on the chapter of the prior filing and the planned one.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Chapter 13 to Chapter 13<\/span><\/h4>\n<p><b>Two (2) Years<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Chapter 13 filings are typically used to reorganize non-dischargeable debts to make them more manageable. As such, the time between repeat Chapter 13 filings is not as important.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do take note that two years is uncommon, as <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-13\/chapter-13-bankruptcy-repayment-plan\/\">Chapter 13 repayment plans<\/a> last a minimum of three years. This usually only happens in extreme circumstances that make completing the plan impossible.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Chapter 13 to Chapter 7<\/span><\/h4>\n<p><b>Six (6) Years<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Since Chapter 13 repayment plans take 3-5 years, you may only have to wait for 1 year after your debts are discharged to file for a <a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/chapter-7\/\">Chapter 7 bankruptcy<\/a>. It\u2019s also possible to have the period waived if you manage to pay all your debt in your plan.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Chapter 7 to Chapter 13<\/span><\/h4>\n<p><b>Four (4) Years\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">You can still file your Chapter 13 petition after your Chapter 7 discharge. It\u2019s just that you can\u2019t get another discharge from the second filing.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A useful tactic is to file a Chapter 13 bankruptcy to pay off the debts that weren\u2019t able to be discharged. Dischargeable debts are usually unsecured debts.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Chapter 7 to Chapter 7<\/span><\/h4>\n<p><b>Eight (8) Years<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Chapter 7 gives the debtor the quickest debt relief from a bankruptcy filing. To prevent abuse, it also has the longest wait period between filings.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bottomline\"><\/span><span style=\"font-weight: 400;\">Bottomline<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The bankruptcy law does not have a limit on the number of times you can file for bankruptcy. It does need you to wait for some amount of time after a previous filing before you can petition for another, depending on the bankruptcy chapter of both the previous filing and the planned one.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bankruptcy proceedings can be complicated. However, it offers one of the best ways to gain relief from all your debt and get another chance at a secure financial future! Our reliable bankruptcy attorneys at <strong>Phoenix Fresh Start Bankruptcy Attorneys<\/strong> can help you with all the paperwork and processes to ensure you can be debt-free. We also offer a free Credit Rebuilding service so that you can maintain a great score even after bankruptcy!\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What are you waiting for? <\/span><a href=\"https:\/\/phoenixfreshstartbankruptcy.com\/contact\/\"><span style=\"font-weight: 400;\">Call our Phoenix bankruptcy law firm<\/span><\/a><span style=\"font-weight: 400;\"> now to schedule a free consultation and get your fresh start!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve filed bankruptcy before, you know how it helps you when you become overwhelmed with debt. The automatic stay stops any efforts from collection agencies and debt collectors to get you to repay the debt and the bankruptcy discharge erases your obligations to repay them.\u00a0 Now, this pandemic may have put you in another financially tough situation. You find yourself dealing with wage garnishment and collection calls from all your medical debt, tax debt, student loan debt, credit card [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3669,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"_links":{"self":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/3667"}],"collection":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/comments?post=3667"}],"version-history":[{"count":1,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/3667\/revisions"}],"predecessor-version":[{"id":4454,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/posts\/3667\/revisions\/4454"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media\/3669"}],"wp:attachment":[{"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/media?parent=3667"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/categories?post=3667"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/phoenixfreshstartbankruptcy.com\/wp-json\/wp\/v2\/tags?post=3667"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}