You May Be Eligible to Re-file Your Chapter 13 Bankruptcy Case if it Was Dismissed

If you have recently had your Chapter 13 bankruptcy case dismissed, you may be wondering if you are able to re-file. The good news is yes, you can re-file another Chapter 13 bankruptcy case if certain personal or financial affairs have changed within the past year. In this blog post, two experienced bankruptcy lawyers will share some of the common examples and what your next steps should be. Keep in mind that each case is unique, and thus, you should talk to an experienced bankruptcy lawyer for personalized advice on your situation. 

Changes in a Debtor's Personal Affairs: 

• The debtor previously filed the case without the help of a bankruptcy lawyer, so it was improperly filed. 
• Out-of-pocket expenditures, such as funeral charges or an unforeseen vehicle repair bill, have increased significantly and unexpectedly. 
• The debtor was previously unable to obtain a discharge, but now they are. 
• The death of a family member occurred, particularly a spouse or someone who had previously been financially supporting the family.  

Changes in a Debtor's Financial Affairs: 

• The debtor's expenses are now far lower than they were when they filed their initial case. 
• The debtor has a considerably higher income than they had when they filed their first case. 
• The debtor may have suffered a short-term income loss, such as unpaid medical leave, but they have now recovered their regular income. 
• The debtor was laid off but was later rehired. 

So, if your Chapter 13 bankruptcy case was dismissed within the past year, due to something like missed payments or not following court orders, you may be able to re-file. However, it’s important that you contact Lewis & Jurnovoy in Panama City Beach, FL as soon as possible in order to ensure that everything is filed appropriately. They will answer any questions you may have and help guide you through the entire filing process. 

 

Lewis and Jurnovoy is a local law office serving the Florida Panhandle. We specialize in bankruptcy law, including Chapter 7 and Chapter 13 bankruptcy. We will work to achieve the best financial remedy for your outstanding debts. 

Lewis & Jurnovoy 
2714 West 15th St 
Panama City, FL 32401 
(850) 913-9110 
https://www.LewisandJurnovoy.com