Ragavan Sreetharan | Even if most of your debt can't be included in your new Chapter 13 after a 7, this still may be a wise choice. This situation is classified as a Chapter 20 bankruptcy, and the biggest benefit is that the automatic stay will give you some time to get your finances in order. We can discuss this option to determine if the benefits outweigh the negative consequences. A bankruptcy case can be dismissed for a variety of reasons, which can be frustrating. If this happens, you will most likely need to wait 180 days to refile, but you may be able to file again right away. We can work together on this; if your discharge was denied or your case was dismissed and nothing has changed in your situation, it's unlikely the court will approve a new case.
