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.
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.
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.
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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