When can I file bankruptcy again after a discharge?

It depends on which chapter you filed and which chapter you want to file next. The waiting periods range from 2 years (Ch.13 to Ch.13) to 8 years (Ch.7 to Ch.7), measured from filing date to filing date.

Is the waiting period measured from the discharge date?

No. All discharge bars are measured from the filing date of the prior case to the filing date of the new case -- not from the date the discharge was entered.

Can I file again if my case was dismissed?

Yes. Discharge bars only apply when you received a discharge. If your case was dismissed, you may face a 180-day filing bar under Section 109(g) instead.

Discharge Bar Calculator -- When Can I File Again?

Calculate Your Earliest Eligible Date

Enter the details of your most recent bankruptcy case to see when you become eligible for a new discharge under each chapter.

Prior case filing date:

Prior case chapter:

Did you receive a discharge?

How This Calculator Works

This calculator applies the discharge bar provisions of the Bankruptcy Code:

Section 727(a)(8) -- 8-year bar: Chapter 7 to Chapter 7
Section 727(a)(9) -- 6-year bar: Chapter 13 to Chapter 7 (with exceptions)
Section 1328(f)(1) -- 4-year bar: Chapter 7 to Chapter 13
Section 1328(f)(2) -- 2-year bar: Chapter 13 to Chapter 13
Section 109(g) -- 180-day filing bar after certain dismissals

All periods are measured from filing date to filing date. This calculator runs entirely in your browser -- no data is sent to any server.

Need More Detail?

The full screener at 1328f.com checks additional factors including prior case lookups and district-specific data.

Full Discharge Screener All Bars Chart

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Related Resources

1328f.com -- Full discharge eligibility screener with case lookup

727a8.com -- Chapter 7 discharge bar deep dive

section1328.org -- Chapter 13 discharge rules

109g.org -- The 180-day filing bar

Calculate Your Earliest Eligible Date

Your Earliest Eligible Dates

How This Calculator Works

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