One is only eligible for a Chapter 7 discharge every 8 years from the date of filing. Chapter 13s can be file every 4 years, including 4 years after a Ch. 7 discharge. Even if you are not entitled to another discharge, you may be entitled to bankruptcy relief under Chapter 13, – not to wipe out any debt but to buy breathing room to get caught up on your mortgage, car payments, taxes, student loans and so forth. A Chapter 13 can be filed at any time as long as the case is filed in good faith. For instance, there are rules to prevent abuse through serial filings to avoid foreclosure.
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