Michigan Chapter 13 Blog Articles

Michigan Chapter 13 Blog articles from the attorneys at Bruce Law Firm.

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Can You File for Bankruptcy More Than Once?

In a perfect world, everyone would be able to pay their debts and live happily ever after. Unfortunately, we don’t live in an ideal world, and sometimes people find themselves buried in credit card debt, tax debts, and other unsecured debts.

If you are struggling to make ends meet and are considering debt relief under the bankruptcy code, you may be wondering: can you file bankruptcy more than once? The answer is yes – you can file for bankruptcy multiple times throughout your life.

Many individuals are shocked to learn that they can go bankrupt more than once. There are no restrictions on the number of times you may declare bankruptcy in reality. There are, however, limits on how frequently you can file for bankruptcy relief.

Bankruptcy Dismissed vs Discharged

Bankruptcy can be an extremely overwhelming process. You need to understand the different terms used in bankruptcy law and what they mean for you before going ahead with this decision. Hearing about “dismissal” or “discharge” from someone who has filed their own may give some insight into one’s future course of action if they were ever faced with such circumstances themselves!

Every individual filing bankruptcy is motivated to obtain an order from the bankruptcy court “discharging” any debts incurred before their case. A bankruptcy discharge has legal consequences that prevent creditors from suing or attempting collection of these past-due balances, giving you a fresh start with opportunities in life once more!

Bankruptcy dismissals are never good news. A bankruptcy dismissal means that your case has been halted prematurely without a discharge being granted, which can make it challenging to get back on track with your debts.

Getting Copies of Bankruptcy Discharge Papers: What You Need to Know

Many people want to get a copy of their bankruptcy discharge papers and other bankruptcy paperwork, and there are many reasons why. Perhaps you need your complete bankruptcy file for your records, or you’re looking to apply for a new job and require a copy of your discharge papers. Often a debtor will need access to their bankruptcy records to correct their credit report after their case is discharged.

Whatever the reason may be, we’ve outlined some things that you should know to help you get a copy of your complete bankruptcy file as well as your bankruptcy discharge order. It is important to keep a copy of your bankruptcy case.

What is Michigan Debt Relief?

Debt relief is a process of negotiating with creditors to reduce the balance owed on an account. It is also known as debt settlement, and it can be done by attorneys or the debtor themselves. Debtors who can negotiate with their creditors directly may not need any legal help at all. Often debt settlement attorneys are required for complicated debt negotiation.

However, if you have fallen behind in payments or are facing foreclosure, bankruptcy might be your best option for getting out of debt. Bankruptcy attorneys can review your debt relief options. Bruce Law Firm offers a free consultation to review your options.