You can indeed file a chapter seven. However, new bankruptcy reforms will go into effect in October, and it will be much more difficult to file a chapter seven, total liquidation BK.
If you included it in your bankruptcy, you're protected by the discharge. If you didn't and you're already discharged from Chapter 7, you may not be protected. I suggest you discuss this with your bankruptcy lawyer.
Yes, after a bankruptcy has been discharged (a 10 year period if chapter 7 was filed), the possibility of filing bankruptcy again is open. If you live long enough, you can file several times. This gives new meaning to the phrase, "Live long and prosper."
NO. The six year rule still applies.
You do. You were in possession of the car. The car was registered to you. Until the car is sold, you are legally and financially responsible for it.
Six years from the time your previous filing was discharged. However, BK courts are taking a closer look at those who have filed multiple times. A 13 can be filed (or amended) at anytime. Not to split hairs, but you can actually file a Chapter 7 anytime after 6 years from the date on which the prior case was FILED (not discharged). See 11 U.S.C. 727(a)(8) which says the debtor can receive his or her Chapter 7 discharge unless "the debtor has been granted a discharge under this section, under section 1141 of this title, or under section 14, 371, or 476 of the Bankruptcy Act, in a case commenced within six years before the date of the filing of the petition." So, the Bankruptcy Code says you can re-file 6 years after the prior case was commenced (filed), not 6 years after discharge. Nikki also makes a good point that Courts are scrutinizing multiple filings (so that while the Bankruptcy Code doesn't list how many times a person can file, the Courts will not allow serial filings if they think the debtor is abusing the system). As Nikki also pointed out, you can file a Chapter 13 pretty much anytime so long as no other case is pending and so long as, again, the Court doesn't think you're abusing the system. If the new bankruptcy reform law is passed, Congress is considering changing the 6-year waiting period to 8 years. Please note that nothing in this posting or in any other posting constitutes legal advice; this is simply my understanding of the facts, which I do not warrant, and I am not suggesting any course of action or inaction to any person.
yes. Unemployment Insurance is filed with your state, when you become unemployed. Taxes are filed based on calendar years.
That depends on your situation. If you have filed but not received discharge of debt, then you may refile immediately. If you filed for chapter 7 and received discharge of debt, then you can file eight years after discharge date for chapter 7. If filed under chapter 13 and received discharge of debt, can refile after two years for same chapter 13. http://www.jacksonwhitelaw.com/what-we-do/get-help-filing-for-bankruptcy/ If the first bankruptcy, C. 7, was dismissed for cause, you have to wait 180 days before refiling. If you file a C. 7 and get a discharge, you can file a C, 13 immediately after the 7 is closed, called a "Chapter 20" by bankruptcy lawyers who know what they are talking about.
Under the bankruptcy laws effective on October 17, 2005, Chapter 7 cannot be filed unless the debtor was discharged from the previous Chapter 7 or bankruptcy more than eight years ago. The debtor cannot file a Chapter 13 unless: (1) the debtor received a discharge under Chapter 7, 11 or 12 more than four years ago; or (2) the debtor received a discharge under Chapter 13 more than two years ago.
my brother filed then got married she has good credit but no job. they bought one a year after he filed but had to have a large down payment.
I filed Chapter 7 last year and when I applied for a credit card this year I was denied and the reason was "bancruptcy".
No
Yes