One must be a Maryland resident to file for bankruptcy relief in Maryland. As a general rule, one cannot file another Chapter 7 case if one has received a discharge with 8 years form the date the prior case was filed. One is not entitled to file for another Chapter 13 discharge within 4 years of receiving a Chapter 13 discharge. However, one can file another Chapter 13 case at any time in order to obtain some breathing room to get caught up even if one is not eligible for another discharge of one’s debt. Generally one can refile a Chapter or a Chapter case immediately if one’s case is dismissed, but may have to wait 180 days if the dismissal was due to failure to respond to a court order or in the case of repeat filings after a creditor has filed a motion for relief of stay to pursue a foreclosure after a post-petition default. Rather than make an assumption and be wrong, one should consult with an attorney promptly to review one’s options in such circumstances. Sometimes, it is possible to have one’s case re-opened. The current unsecured debt limit is $336,900 and the secured debt limit is $1,010,650. There are no limits in Chapter 7 or Chapter 11.

If you wish to engage us to advise you as to your rights and options or to provide other legal services, please click here to contact our Maryland law offices in Baltimore, Dundalk, Bel Air or Owings Mills.