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You can only file for bankruptcy once every 8 years. Before filing for Chapter 7, at least 1 of these should be true: You have a lot of debt and income and/or assets a creditor could take. You lost your driver license after being in an accident while uninsured.
If you had a Chapter 7 that resulted in discharge of your debts, you must wait at least eight years from the date you filed it before filing Chapter 7 bankruptcy again. While Chapter 7 is typically the quickest form of debt relief, the eight-year period to refile is the longest waiting time between cases.
You can only file for bankruptcy once every 8 years. Before filing for Chapter 7, at least 1 of these should be true: You have a lot of debt and income and/or assets a creditor could take. You lost your driver license after being in an accident while uninsured.
A Chapter 7 bankruptcy can take four to six months to do, from the time you file to when you receive a final discharge meaning you no longer have to repay your debt. Various factors shape how long it takes to complete your bankruptcy case. You will have to take care of some tasks before you file.
In a Chapter 7 bankruptcy, your assets (other than your exempt assets) are gathered together and sold. Any unsecured debt that isnt paid off from the sale proceeds is discharged, giving the debtor a debt-free fresh start. Traditionally, Chapter 7 has been the most common type of bankruptcy proceeding.
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Therefore, individuals seeking free access can obtain basic court information through the Voice Case Information System (VCIS). The voice system is connected to the bankruptcy courts electronic case file system. It is accessible from any touch telephone by dialing (866) 222-8029.
You can do a bankruptcy search by name and look at bankruptcy records online via the Public Access to Court Electronic Records (PACER) service. To search for and find bankruptcy court cases, all that is required is an account. Each page read through the system is subject to a fee from PACER.
VCIS uses a computer-synthesized voice device to read case and adversary proceeding information directly from the courts computer. This permits users to call the computer from any touch-tone telephone and to obtain the following case information without assistance from a deputy clerk: Case number.
Most Chapter 7 bankruptcy cases take between 4 - 6 months to complete after filing the case with the court. The order erasing eligible debts can be granted as early as 90 days from the date the case was filed. No-asset cases are typically closed a couple of weeks after the discharge date.
After Filing for Bankruptcy in Washington State Youll turn over financial documents proving the statements in your bankruptcy paperwork. Youll attend the 341 meeting of creditorsthe one appearance all filers must attend. Youll complete a debtor education course and file the completion certificate.

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