1 Relative frequency: the result of dividing the absolute frequency of a certain value by the total number of data.  The sum of the relative frequencies is equal to $$1$$. We can prove this easily by factorizing $$N$$. Cumulative frequency: the sum of absolute frequencies of all the values equal to or less than the considered value.
Having said that you should have to wait 8 years from the last FILING DATE of your previous bankruptcy. The old time period prior to 2005 was 7 years before you could file again, but that was expanded to 8 years after the Bankruptcy Abuse and Consumer Protection Act of 2005 was passed.
Second, after a bankruptcy, you are a lower risk, since you cannot file bankruptcy immediately again. The lenders know this, and know that if they lend to you after a bankruptcy, that you will be around for at least five or six years.This is time that they will make their profit.econd, after a bankruptcy, you are a lower risk, since you cannot file bankruptcy immediately again. The lenders know this, and know that if they lend to you after a bankruptcy, that you will be around for at least five or six years.