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You must wait 8 years from a previous Chapter 7 filing or 6 years from a previous Chapter 13 filing before you can file Chapter 7 again.
Your income must be at or below your state's median income. If above, you must pass the "means test" to prove you cannot afford Chapter 13 payments.
Complete a required credit counseling course before filing. This brief, inexpensive class teaches debt management and financial principles.
Standard court fee to process your case (may be paid in installments).
Professional Legal Guidance varies by complexity and case.
Required credit counseling and financial management courses.
Chapter 7 is the fastest and simplest way to eliminate most (or even all) of your debts. In most cases, it only takes 3-6 months for all eligible debt to be eliminated.
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Chapter 13 doesn't erase debt. Rather, it reorganizes your debt and creates a manageable repayment plan. In most cases, these repayment plans take 3-5 years.
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