Previous bankruptcy

[Dawn1098730]

What is the name of your state? CA

I've previously filed a Chapter 7 and it was discharged in August of 1998. My husband and I have rebuilt out credit rating and were getting ready to buy and house this summer. While on maternity leave with our second child, my employer (whom I had worked for for 10 years) laid me off. I found another job after 9 months of unemployment but by now we are very far behind on our bills again. I have spoken with three different debt consolidation places but don't know if I can even afford the reduced payments. Someone advised us to file bankruptcy. Having done it before, I know how bad it was. I don't want to do it again. Anyway...my question is...legally can I even file again? and is so...how long in between? Thanks for your help.

[mymymy]

Yes, you were eligible to file again August 2004 (as of the actual day you filed your last petition- ie: if you filed on the 18th in 98, then last August 18 was your marker)

[bigun]

Actually, you can file now. The current law is 6 years between filing dates. That'll change to 8 years on 10/17.