How Often Can You File for Bankruptcy in Massachusetts?

by Jack Morrison on November 17, 2011

Making the decision to file for bankruptcy is difficult. But the important takeaway after you do so and receive the discharge is to alter spending habits and make smart financial decisions so you don’t end up back on the same path. Unfortunately, many people don’t learn, and they end up having to file for bankruptcy two or three times. Some, even more than that.

New laws are in place that dictate filing for bankruptcy (and receiving a discharge) is limited to 8 years for Chapter 7 bankruptcy in Massachusetts and every 4 years for a Chapter 13 bankruptcy in Massachusetts.

Many people might still file—they just won’t get the discharge. That means they don’t get the protection of the automatic stay, and creditors can still move forward to do anything they’re legally entitled to do. 

If you’ve never filed before and you’re behind on your mortgage, filing bankruptcy will stop your foreclosure. However, depending on whether you file Chapter 7 or Chapter 13, you still have to make your monthly payment if you want to keep your house. Many people use this as a short-term strategy just to delay the foreclosure initially.

The Significance of Filing for Bankruptcy
Most people who file for bankruptcy are truly in need. And the benefit of bankruptcy is that it gives you a fresh start. To truly benefit from receiving a bankruptcy discharge though, you must not repeat the same habits that have landed you in the situation you’re in. In most cases, you won’t be that person. But sadly, there are others who will come back and file 2-3 times.

As a Worcester bankruptcy attorney, I make it a point to educate my clients about how to bounce back and never again have to make repeat filing. For tips and information on life after bankruptcy in Massachusetts, read this article. 

Do you want to talk out your situation? Then sit down with a knowledgeable, understanding professional. I am a Worcester bankruptcy lawyer and encourage you to call my office, the Law Office of Jack Morrison, today at 508.852.7800 or reach out via our contact form. There’s no obligation and the call is free. If bankruptcy is not the best option for you, I’ll let you know straightaway. Thank you.

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{ 1 comment… read it below or add one }

Thomas Strang September 30, 2015 at 7:24 pm

i filed a chapter 7 in February of 2009, can I file a chapter 13 now?


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