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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.
People can only file for bankruptcy under Chapter 13 if their debts do not exceed a certain amount. The specific cutoff is reevaluated periodically, so check with a lawyer or credit counselor for the most up-to-date figures. Under Chapter 13, you must design a three- to five-year repayment plan for your creditors.