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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.
A longer waiting period is also required if you have multiple bankruptcy filings in your past. If youâve filed for bankruptcy more than once, youâll be subject to a three-year waiting period following a layoff or a divorce, starting from the discharge date of your most recent petition. 3. You May Need to Put off Buying to Qualify for Good Rates. Once the waiting period is over, youâre officially in a position to apply for a mortgage.