Chapter 7 Repeat Filing



Chapter 7 Repeat Filing

On October 17, 2005, a major change in the bankruptcy law went into effect. The law change specifically referred to as The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (“BAPCPA”) changed many aspects of consumer bankruptcy law(s). One of the many implemented changes was the waiting period between a consumer’s bankruptcy discharge in Chapter 7 and when he or she could again for bankruptcy. Before BAPCPA, consumers waited six years after filing a Chapter 7 bankruptcy before they were eligible to do so again. After BAPCPA, their waiting period increased to eight years. Due to the impending law change prior to October 17, 2005 there was a tremendous surge in bankruptcy filings. As of today, October 18, 2013 those who filed a Chapter 7 Bankruptcy prior to the implementation of BAPCPA are now eligible for a Chapter 7 discharge due to the passage of the eight (8) year waiting period.

To speak with one of our lawyers regarding your financial situation and to determine if Bankruptcy Law is right for you, please contact one of our conveniently located law offices listed below.

CENTER CITY PHILADELPHIA: 1315 Walnut Street, #302 Phila., PA 19107 215-545-0008
NORTHEAST PHILADELPHIA: 2375 Woodward Street, #105 Phila., PA 19115 215-545-0008
DELAWARE COUNTY OFFICE: 1515 Wallingford Road, #218, Springfield, PA 19064 610-432-3111

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