How Often Can I File Bankruptcy in NC? Let’s Break It Down!

How often can I file bankruptcy in Raleigh, NC? – At Cameron Bankruptcy Law, we understand that debt can sometimes feel like a mountain that’s impossible to climb. But don’t worry! Whether it’s your first time filing for bankruptcy or you’ve done it before, we’re here to help you get back on track.

How Often Can I File Bankruptcy in NC?

Ho – w Often Can I File Bankruptcy in NC?You might be wondering, “How often can I file bankruptcy in NC?” The good news is that there’s no strict limit on how many times you can file for bankruptcy. However, there are rules about how often you can get your debts wiped out (called a “discharge”). Let’s break it down by the different types of bankruptcy:

• Chapter 7 to Chapter 7: If you filed for Chapter 7 before and had your debts discharged, you have to wait 8 years before you can file Chapter 7 again.
• Chapter 13 to Chapter 13: After completing Chapter 13, you can file for another Chapter 13 just 2 years later.
• Chapter 7 to Chapter 13: If you went through Chapter 7 and had your debts discharged, you must wait 4 years to file for Chapter 13.
• Chapter 13 to Chapter 7: If you filed for Chapter 13 and had your debts discharged, you need to wait 6 years before filing for Chapter 7. However, if you paid off 70% of your debts, you can file earlier!

What If My Bankruptcy Was Dismissed?

If your bankruptcy case was dismissed (which means it didn’t go through), you might have to wait before you can file again. Sometimes, you’ll need to wait 180 days if the case was dismissed “with prejudice” (meaning you did something wrong). In more serious cases, the wait might be longer or even permanent!

Why File for Bankruptcy?

Filing for bankruptcy in NC can bring lots of relief, including:

• Stopping creditor calls: Once you file, an “automatic stay” kicks in, stopping creditors from calling or suing you.
• Wiping out your debt: Bankruptcy can eliminate certain debts, giving you a fresh start.
• Keeping your stuff: If you file Chapter 13, you can keep your home, car, and other important things while paying back what you owe in a more manageable way.

Need to Re-File? We’ve Got You Covered!

At Cameron Bankruptcy Law, we’ll help you figure out the best way to handle your debt, whether it’s Chapter 7 or Chapter 13. Filing for bankruptcy in North Carolina doesn’t have to be stressful—our team will guide you every step of the way.

Contact us today for a FREE consultation and let’s get you on the path to financial freedom!