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How long do you have to wait to file bankruptcy a 2nd time?


I filed Chapter 7 bankruptcy in Aug 2001 and it was discharged in Dec 2001 in IL. I now live in Vegas and have a writ against me and they are going to garnish my wages. I have 2 options file a “Claim of Exemption” or file bankruptcy?

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This entry was posted on 11/20/2011, 5:28 PM and is filed under News. You can follow any responses to this entry through RSS 2.0. You can leave a response, or trackback from your own site.

  1. #1 by paul b on 11/20/2011 - 5:39 PM

    I think this site might answer most of your questions.
    http://bankruptcy.findlaw.com/

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  2. #2 by Leo F on 11/20/2011 - 6:24 PM

    7 years. It appears you did not learn a lesson from the first time.

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  3. #3 by kapn on 11/20/2011 - 6:29 PM

    7 years……………what a mess…………….sorry…………..

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  4. #4 by American Eagle on 11/20/2011 - 7:03 PM

    If you file bankruptcy, don’t you have to pay a percentage now? I though they change the law or something.

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  5. #5 by steve on 11/20/2011 - 7:52 PM

    what Leo F said.

    I filed chap 7 in 1998. I could have swore it’s every ten years for chapter 7. Different person now. I now own two paid for cars, investing heavily in my retirement, refuse to buy anything on credit(including my cars) and have a nice savings. On rare occasions bankruptcy is the result of unfortunate incidents, but 99% of the time it’s behavior. If you’re a member of ebay you need to get this book and read it. Your life will never be the same:

    http://cgi.ebay.com/NEW-The-Total-Money-Makeover-by-Dave-Ramsey-2003_W0QQitemZ290155662368QQihZ019QQcategoryZ378QQssPageNameZWDVWQQrdZ1QQcmdZViewItem

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  6. #6 by bdancer222 on 11/20/2011 - 8:27 PM

    Perhaps you should work out a payment arrangement to settle this writ instead of filing bankruptcy this time.

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  7. #7 by keekee0914 on 11/20/2011 - 9:26 PM

    If you actually have an exemption, file the exemption. Don’t file bankruptcy for one incident like that. I know in Florida the head of household is exempt from wage garnishment. I don’t know about Vegas tho, you might want to check on that w/ an attorney.

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  8. #8 by Jennifer on 11/20/2011 - 10:03 PM

    Hi,
    I used “Credit Solution” to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58% .It’s legitimate.I came across this company on NBC News Special Edition.Check it out here:
    http://nanoref.com/linksynerg/DB0yjA

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