Eligibility for Discharge

If you previously obtained a discharge in a Chapter ____,

You must wait ______

years…

Before you are eligible for a discharge in a Chapter ____.

See Code Section_____

7, 11

8 years

Chapter 7

§727(a)(8)

12, 13

6 years

Chapter 7

§727(a)(9)

7, 11, 12

4 years

Chapter 13

§1328(f)

13

2 years

Chapter 13

§1328(f)

NOTES:

Eligibility can be determined from commencement date of the first case to commencement date of the second. It is not determined based on discharge or conversion dates.
Whether a debtor is eligible for discharge in a Chapter 7 after filing a 12 or 13 case OR eligible for discharge in a Chapter 13 case after filing a previous Chapter 13 is based not only on the time period between filings but on other factors such as the percentage the plan paid to unsecured creditors and whether the plan was proposed in good fait

Bankruptcy

We are a Debt Relief Agency and provide relief and protection from creditors by filing bankruptcy for qualified individuals and businesses.

There are a number of reasons why a person can fall on hard times. As a result, every day honest, hardworking individuals fall behind on the bills. You can fall behind because you lost losing your job, you or a loved one are facing health problems, or you reached for the stars by starting a business, but it then fails despite your best efforts. Fortunately, the law provides relief for people facing financial hardships, and a chance for a fresh start.

The Law Office of Mark McClure can handle your Kent bankruptcy and help you get back in the black and reestablish good credit. Whether you are seeking a Chapter 7, or a Chapter 13, our Kent bankruptcy lawyers are ready to address your particular situation to see whether you qualify.

Filing for Chapter 7 bankruptcy is perfect for people who are seeking to get rid of most of their debt. It is the most common bankruptcy filed in the United States, and it allows most debt to be discharged with a few exceptions.

Chapter 13 bankruptcies are filed by people who don’t qualify for a Chapter 7, and it allows them to pay off their debt over a given period of time via monthly payments. This type of Kent bankruptcy can provide financial relief by reducing a person’s monthly home and car payments.

Our dedicated Kent bankruptcy attorneys understand how devastating financial hardships can be on you and your family. We are ready to use our knowledge of bankruptcy law, and our experience in Washington Court, to help you negotiate a solution that gets you back on track. If you’re tired of getting nagging phone calls from creditors, contact us today.

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