Filing for bankruptcy can offer a much-needed financial reset. But what happens if you’ve already filed once before—can you file again? In Connecticut, the answer is yes, but there are specific rules and waiting periods depending on the type of bankruptcy you previously filed and the type you plan to file now.

Understanding the Rules on Multiple Bankruptcy Filings

Bankruptcy laws recognize that financial hardship can strike more than once. However, the U.S. Bankruptcy Code imposes time limits between discharges to prevent abuse of the system. Here’s how it generally works:

• Filing Chapter 7 after Chapter 7: You must wait eight years from the date of your previous Chapter 7 filing before filing another Chapter 7 case.
• Filing Chapter 13 after Chapter 13: You must wait two years from the date of your last Chapter 13 filing.
• Filing Chapter 13 after Chapter 7: If you received a Chapter 7 discharge, you must wait four years before filing Chapter 13.
• Filing Chapter 7 after Chapter 13: If you received a Chapter 13 discharge, you must wait six years, unless you paid all unsecured debts in full or at least 70% of them through the repayment plan.

Why Someone Might File Again

A second or subsequent bankruptcy filing often stems from circumstances beyond one’s control—medical bills, job loss, divorce, or economic downturns. Connecticut residents facing ongoing financial challenges may find that refiling is the most practical option for regaining control of their finances.

Important Considerations Before Filing Again

Filing more than once can impact your credit, and courts will closely review your case to ensure there’s no misuse of the process. Additionally, automatic stay protections (which stop creditor actions) may be limited in repeat filings.

At Grafstein & Arcaro, LLC, we can provide legal assistance to the Bloomfield public. Our attorneys can help determine if you’re eligible to file again, guide you through the waiting periods, and develop a strategy to help you get lasting financial relief.