Can You File Bankruptcy More Than Once? | MD Bankruptcy Lawyer

 Posted on February 05, 2026 in Debt Resolution & Settlement

It is possible to file for bankruptcy more than once in Maryland, but strict waiting periods and eligibility rules apply. Understanding these limits is important before deciding on your next step.

Bankruptcy remains a common tool for people facing financial hardship. According to the Administrative Office of the U.S. Courts, total bankruptcy filings increased by 13.1 percent in the span of one year. If you are considering filing again in 2026, a Montgomery County, MD bankruptcy lawyer can help you understand whether you qualify and what strategy may protect your future.

Can You Legally File Bankruptcy More Than Once in Maryland?

Federal law allows people to file for bankruptcy more than once. Life circumstances change, and financial setbacks can happen even after a prior discharge. However, you cannot file repeatedly without limits. The law sets specific waiting periods between cases depending on the chapter you previously filed and the one you want to file next.

These rules are designed to balance relief for debtors with fairness to creditors. Filing too soon can result in a case being dismissed or a discharge being denied.

How Long Do You Have To Wait Between Bankruptcy Filings?

The waiting period between bankruptcies depends on the type of bankruptcy involved. These timelines are outlined in the federal Bankruptcy Code.

Common waiting periods include:

• Chapter 7 to Chapter 7: You must typically wait eight years.
• Chapter 13 to Chapter 7: The waiting period is usually six years, although some exceptions may apply if debts were largely repaid.
• Chapter 7 to Chapter 13: You may file after four years.
• Chapter 13 to Chapter 13: The waiting period is generally two years.

Because timing rules can be complex, speaking with a lawyer before filing again can prevent costly mistakes.

Why Would Someone Need To File Bankruptcy a Second Time?

Needing a second bankruptcy does not mean you failed. Many people experience unexpected events that disrupt their finances after their first case.

Some of the most common reasons include job loss, medical problems, divorce, business failure, or rising living costs. Economic shifts can also affect even the most careful financial plans.

A second filing is often about regaining stability rather than starting over completely.

Does Filing Bankruptcy Again Hurt Your Credit More?

Bankruptcy already affects credit, but a second filing does not always cause significantly greater damage than ongoing unpaid debt. Many lenders view unresolved collections, judgments, and charge-offs as more harmful than taking legal steps to address the problem.

Over time, responsible financial habits such as paying bills on time and limiting new debt can help rebuild your credit profile. While recovery takes patience, many people begin improving their credit sooner than expected.

Can You File Bankruptcy Again if Your Financial Situation Changes Quickly?

Sometimes financial trouble returns before the waiting period ends. Even if you cannot receive another discharge yet, filing may still offer benefits.

For example, the automatic stay under 11 U.S.C. § 362 can temporarily stop collection actions, foreclosure efforts, or wage garnishments. However, repeat filings within a short time may limit how long that protection lasts, so legal guidance is especially important.

What Should You Consider Before Filing Bankruptcy a Second Time?

Before filing again, it is important to take a close look at what led to the current situation and whether bankruptcy is the best solution.

Ask yourself:

• Has your income stabilized enough to support a fresh start?
• Are most of your debts dischargeable?
• Would another chapter provide better long-term relief?
• Are there alternatives, such as negotiation or repayment plans?

Careful planning can make the difference between temporary relief and lasting financial recovery.

How Can a Bankruptcy Lawyer Help With Repeat Filings?

Filing for bankruptcy again involves more than paperwork. A lawyer can review your prior case, explain waiting periods, and determine which chapter fits your goals. Legal guidance also helps you avoid filing too early or choosing an option that does not fully address your debt.

An attorney can also communicate with creditors, protect your rights, and create a strategy focused on long-term stability rather than short-term fixes.

Contact Our Bowie, MD Bankruptcy Attorney Today for a Free 30-Minute Consult

At Bloc One Services, LLC, we believe legal help should feel approachable, not intimidating. Known by many as "The People’s Attorney," Attorney Hope Blocton focuses on providing the local community with quality legal service at a fair and reasonable price. Clients often appreciate the relatable guidance they receive during stressful financial moments.

If you are thinking about filing bankruptcy again or wondering whether you qualify, call 240-200-0076 to schedule a consultation with a Montgomery County, MD bankruptcy lawyer today.