Discharge Of Chapter 7 And 13 You may have needed to file bankruptcy previously and now perhaps you are questioning if you're able to file bankruptcy again and in debt. This means should you did you pay atleast 70% to your unsecured lenders that if you need to file Chapter 7 bankruptcy within 6 years of your Page 13 bankruptcy filing, you will not get yourself a release. Document Section 13 Bankruptcy After a Chapter 13 Bankruptcy- in that case your unsecured debts won't be discharged in case you file a Part 13 bankruptcy within 24 months of having a Page 13 release. You will still be responsible for obligations including charge cards, medical bills, particular & personal loans in the event that Page 13 bankruptcy files within 24 months of getting a Section 13 bankruptcy discharge. You must remember That Should You file for Page 13 bankruptcy within 4 decades of you Chapter 7 bankruptcy situation you then will not get a discharge of one's obligations (bank cards, medical costs, & personal loans). You may well be thinking when they will not get a full discharge why would everyone file a Section 13 bankruptcy within 4 years. For you to be eligible for a a discharge of you unsecured debt within the Section 13 bankruptcy situation, you must delay at the least 4 decades from your date your Chapter 7 bankruptcy case was filed. File Chapter 7 Following A Phase 13 Filing.- unsecured obligations might not be released once you have attained a release in a Chapter 13 bankruptcy then your obligations in case a Chapter 7 bankruptcy files. As a way to obtain a discharge in the Chapter 7 bankruptcy, the Chapter 7 bankruptcy should have been registered 6 years when you filed a Part 13 bankruptcy or in case you document within 6 years, you'll want settled your unsecured creditors no less than 70% of the debt you owed them. I've had customers who have had a need to file for bankruptcy protection upto three times within their life. File Chapter 7 Bankruptcy Again- in the Event The scenario that you previously submitted was a Chapter 7 bankruptcy then you can certainly apply for Chapter 7 bankruptcy protection, 8 years once you recorded your prior Chapter 7 bankruptcy. If 8 decades have approved since you recorded for Chapter 7 Debt then Chapter 7 bankruptcy can document again. If 8 years haven't passed since your Chapter 7 bankruptcy event submitted then contemplate or you can certainly elect to delay Section 13 bankruptcy.