Four Years In Advance Of Filing
If you were previously discharged under other chapters, such as seven, eleven, or twelve, within the past four years, the court will deny your request for chapter 13 discharge.
Two Years In Advance Of Filing
If the previous discharge was under chapter 13, however, the utmost restriction period is two years.
180 Prior Days To Filing
If you had previously filed for bankruptcy under any chapter and were dismissed for failing to comply with court orders, you will not be able to file again until this 180-day period has expired.
In addition, under the new bankruptcy laws, you are now required to utilize a credit counseling service through a certified agency. The agency's report must describe how to conduct a budget analysis, the alternatives to filing for bankruptcy, and how to manage financial matters more effectively.
90 Days Ahead Of Filing
If you moved to a different state within the 90 days prior to filing for chapter 13 bankruptcy, the court will deny your case. The laws require that you have been a resident of the state where you are filing your case for at least 90 days prior to doing so. If you have not yet concluded the 90-day period, you must file your petition in your previous state of residence. However, your residency in that state must now be at least 180 days.
If your previous residential status was less than 180 days, you may file for bankruptcy in the state where your primary properties and assets have been located for more than 180 days.
During The Time That Your Case Is Pending
Your case begins once the registration procedure is complete. It is then followed by an automatic stay order and trustee appointment. A notification is also sent to all creditors listed in the petition informing them of the filing.
15 Days After Filing
You must submit the repayment within fifteen days of filing your case.
The 15-day filing deadline also applies to certain financial """"schedules"""", such as documents related to your income, expenses, assets, and liabilities.
Keeping the above timeline in mind will facilitate the filing of your chapter 13 bankruptcy petition.
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