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The length of the waiting period will depend on the chapter filed previously. 1  If you filed for Chapter 7 bankruptcy. Youâll be eligible for another discharge eight years after the first Chapter 7 filing. 2  If you filed for Chapter 13 bankruptcy. Youâll have to wait four years before youâll be able to receive another Chapter 7 discharge.
For instance, if you complete the bankruptcy process under Chapter 7, you cannot file for another Chapter 7 bankruptcy for six years. The six years is counted from the date you last filed for bankruptcy. Declaring bankruptcy now can get you started sooner on rebuilding your credit.Although, you can only file under Chapter 7 once every six years, you can always get a Chapter 13 plan if there is another disaster before you are entitled to file for Chapter 7 again.You may file for a Chapter 13 plan repeatedly, although each filing appears on your credit record.lthough, you can only file under Chapter 7 once every six years, you can always get a Chapter 13 plan if there is another disaster before you are entitled to file for Chapter 7 again. You may file for a Chapter 13 plan repeatedly, although each filing appears on your credit record.