Filing A Second Or Third Bankruptcy Case

Filing A Second Or Third Bankruptcy Case

For numerous reasons, an individual or married couple might not be able to complete their Chapter 13 Bankruptcy.  When payments are not made on a regular monthly basis, one’s case can be dismissed.  The failure to make payments is often not the fault of debtors, and can stem from a loss of income or health related issues.

Unfortunate circumstances can befall good people who were otherwise doing well in their Bankruptcy cases.  To avoid the sale of one’s home at foreclosure sale, or for any number of other reasons, a second or third Bankruptcy filing may be required.  However, it is important to understand that the laws pertaining to the Automatic Stay (The Bankruptcy Protection) can change with subsequent filings.  Do not be discouraged, and call one of the Attorneys at the Law Offices of Sadek & Cooper for a free consultation to review your options.

Our Attorneys will make a careful review of the docket of your prior case in order to determine how your rights will be affected in a subsequent Bankruptcy filing.  For instance, if a second Bankruptcy filing is made within one year of the dismissal of a prior filing, then the Automatic Stay will expire after 30 days. See 11 U.S.C. §362(c)(3).  With the skilled help from one of our Attorneys, the Automatic Stay can be extended for the duration of your case after the filing of a Motion with the Bankruptcy Court to Extend the Automatic Stay.

Additionally, if a third Bankruptcy is filed and pending within the same year as two prior cases, then there will not be an Automatic Stay upon filing.   However, carefully drafted motions by one of our Attorneys, offer our Clients the best chance to have the Court issue an Order Imposing the Automatic Stay in situations such as this.

Even if you have filed Bankruptcy in the past, you may be able to re-file Bankruptcy when done in good faith.  Allow one of our legal professionals to guide you through the process, and clearly explain your options.

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SEEWHAT OUR CLIENTS ARE SAYING

Lavern Baker
Lavern Baker
17:03 23 Feb 18
You are all super lawyers. Brad and Matt made me feel comfortable. Every one in your office so nice and just made it easy. You’re the best!
peter b
peter b
19:42 21 Feb 18
Thank you, Sadek and Cooper Law offices for your dedication on my behalf. I appreciate Matthew and Patrick and your staff and all that everyone did to support me in this legal matter. You took an embarrassing, sad experience, for me, and turned it into a successful solution without all the emotional pain expected. After dealing with a loan modification company for over eighteen months without going to an attorney first that is the biggest mistake anyone can make. The Modification Companies set out to sell you lies, broken promises and dilute the homeowner's assets with no knowledge of any kind of law. I can't stress enough stay away from Modification companies, as a Military Veteran and family man, protect you or your family best interest. Go directly to Sadek and Copper you will not regret it! This firm moves with Super speed and diligence protecting you and your family's the entire process, even after watching some of these other attorneys in the courtroom appearing to mishandled their clients’ cases before the Trustee. You made it easy and I’m finally getting my financial life back on track! Thank you for your prompt replies to me, your clear information and preparation needed when at the courthouse. I would of course recommend you to others and I am glad you were the one who had my case. Kind genuine law firm who treats you like family. God bless you all and I pray for your continued success in your field of expertise. This firm is Super Lawyers for a reason. They are the best at what they do! Pete
Doug Tinlin
Doug Tinlin
06:55 15 Feb 18
Brad Sadek gave me hope when he decided to handle my mortgage for enclosure defense. I had exactly 10 days left of the 30 days ultimatum given me, but he was able to bargain for an extra 30 days for me to pay up. That duration turned out just right.
Jacinth Jacinth
Jacinth Jacinth
16:07 31 Jan 18
Excellent service. Brad and Matt were outstanding and friendly. They helped me through this. I’ve never met attorneys like these. Thank you!
julie njoku
julie njoku
12:29 24 Jan 18
Brad Sadek is excellent!. He understands and he's fair. You feel like you have someone fighting for you. The staff is friendly, professional, and courteous. These guys are the best at what they do !
Owen Black
Owen Black
20:14 09 Jan 18
Thanks for the great service! I would recommend this firm highly. Throughout the years I have been helped by this firm greatly and very much appreciated.
Steven Rychalsky
Steven Rychalsky
15:30 09 Jan 18
Sadek and Cooper law office was a wonderful experience to work with. Bankruptcy is a difficult experience but they helped with the stress so much and made it easy. I would recommend Sadek and copper too anyone.
Chris Kourelias
Chris Kourelias
19:09 28 Dec 17
Working with both Brad & Matthew was a pleasure. Both gentlemen are extremely knowledgeable and helpful in providing me the right assistance needed to make the correct decision to benefit me in the long run. I would recommend both candidates to anyone looking for assistance with a reputable law firm.
Jennyfer Santana
Jennyfer Santana
21:17 21 Dec 17
Highly Recommended. Matt & Brad assisted with my case. I felt comfortable throughout the entire process. Matt was very understanding, patient, and ensured he answered all my questions! Both great guys and very friendly! It was a pleasure working with Matt and Brad.
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