{"id":12283,"date":"2024-03-26T11:05:57","date_gmt":"2024-03-26T11:05:57","guid":{"rendered":"https:\/\/farmerwright.com\/?p=12283"},"modified":"2024-03-26T11:05:57","modified_gmt":"2024-03-26T11:05:57","slug":"filing-chapter-7-bankruptcy-multiple-times","status":"publish","type":"post","link":"https:\/\/farmerwright.com\/filing-chapter-7-bankruptcy-multiple-times\/","title":{"rendered":"Refiling Chapter 7 in Kentucky"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"Learn_if_Chapter_7_Bankruptcy_is_an_Option_You_Can_Retake\"><\/span><b>Learn if Chapter 7 Bankruptcy is an Option You Can Retake<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-662f105f72be5\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-662f105f72be5\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/farmerwright.com\/filing-chapter-7-bankruptcy-multiple-times\/#Learn_if_Chapter_7_Bankruptcy_is_an_Option_You_Can_Retake\" title=\"Learn if Chapter 7 Bankruptcy is an Option You Can Retake\">Learn if Chapter 7 Bankruptcy is an Option You Can Retake<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/farmerwright.com\/filing-chapter-7-bankruptcy-multiple-times\/#Short_Summary\" title=\"Short Summary:\">Short Summary:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/farmerwright.com\/filing-chapter-7-bankruptcy-multiple-times\/#What_is_Bankruptcy\" title=\"What is Bankruptcy?\">What is Bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/farmerwright.com\/filing-chapter-7-bankruptcy-multiple-times\/#What_is_Chapter_7_Bankruptcy\" title=\"What is Chapter 7 Bankruptcy?\">What is Chapter 7 Bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/farmerwright.com\/filing-chapter-7-bankruptcy-multiple-times\/#What_are_the_Key_Things_to_Keep_in_Mind_When_Filing_For_Chapter_7_Bankruptcy_in_Kentucky\" title=\"What are the Key Things to Keep in Mind When Filing For Chapter 7 Bankruptcy in Kentucky?\">What are the Key Things to Keep in Mind When Filing For Chapter 7 Bankruptcy in Kentucky?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/farmerwright.com\/filing-chapter-7-bankruptcy-multiple-times\/#What_are_the_Circumstances_Leading_to_Refiling_Chapter_7_in_Bankruptcy\" title=\"What are the Circumstances Leading to Refiling Chapter 7 in Bankruptcy?\">What are the Circumstances Leading to Refiling Chapter 7 in Bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/farmerwright.com\/filing-chapter-7-bankruptcy-multiple-times\/#How_Do_I_Refile_For_Chapter_7_Bankruptcy\" title=\"How Do I Refile For Chapter 7 Bankruptcy?\">How Do I Refile For Chapter 7 Bankruptcy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/farmerwright.com\/filing-chapter-7-bankruptcy-multiple-times\/#What_are_the_Alternatives_to_Chapter_7_Bankruptcy_Refiling\" title=\"What are the Alternatives to Chapter 7 Bankruptcy Refiling?\">What are the Alternatives to Chapter 7 Bankruptcy Refiling?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/farmerwright.com\/filing-chapter-7-bankruptcy-multiple-times\/#When_are_Many_Bankruptcy_Filings_Abusive\" title=\"When are Many Bankruptcy Filings Abusive?\">When are Many Bankruptcy Filings Abusive?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/farmerwright.com\/filing-chapter-7-bankruptcy-multiple-times\/#Call_Our_Kentucky_Bankruptcy_Attorney_Now\" title=\"Call Our Kentucky Bankruptcy Attorney Now!\">Call Our Kentucky Bankruptcy Attorney Now!<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">Figuring out what to do when dealing with a lot of debt can be tough, especially in Kentucky. Some people consider filing for<\/span><a href=\"https:\/\/farmerwright.com\/chapter-7-bankruptcy\/\"> <span style=\"font-weight: 400;\">Chapter 7<\/span><\/a><span style=\"font-weight: 400;\"> in Kentucky to help them get rid of their debts and start fresh. But here&#8217;s the big question: Can you file for Chapter 7 again in Kentucky if you&#8217;ve already done it before?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this article, we&#8217;ll break down the rules about bankruptcy in Kentucky. We&#8217;ll talk about who can file for Chapter 7 again, what you need to think about, and the steps you might have to take. Knowing how Chapter 7 works in Kentucky can help you make wise financial choices.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Short_Summary\"><\/span><b>Short Summary:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chapter 7 bankruptcy offers a fresh start by eliminating most unsecured debts and, sometimes, selling non-essential assets.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Before filing for Chapter 7 in Kentucky, it&#8217;s important to understand the eligibility criteria and legal process, including credit counseling and a meeting of creditors.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After a Chapter 7 bankruptcy discharge, unexpected events like medical bills, job loss, divorce, tax debt, or co-signed loans can lead Kentucky citizens to consider filing for Chapter 7 bankruptcy again to tackle the accumulated debt.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refiling for Chapter 7 in Kentucky involves assessing your financial situation, consulting with an attorney, gathering documentation, and following legal requirements.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Abusive bankruptcy filings occur when someone exploits the system, leading to consequences such as losing benefits like the automatic stay or discharge.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Bankruptcy\"><\/span><b>What is Bankruptcy?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Bankruptcy is a legal way out of a huge debt hole. Imagine you owe more money than you can ever pay back. Bankruptcy is like hitting a reset button on your finances. It&#8217;s a court process that helps you deal with your debts. There are different types of bankruptcy, but generally, it allows you to either:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Repay some debts and have others discharged:<\/b><span style=\"font-weight: 400;\"> You wouldn&#8217;t have to pay them anymore.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Sell some of your belongings to pay off your debts:<\/b><span style=\"font-weight: 400;\"> The court will decide which things you can keep and which ones need to be sold.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In short, bankruptcy can provide a fresh start for debtors.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Chapter_7_Bankruptcy\"><\/span><b>What is Chapter 7 Bankruptcy?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Chapter 7 bankruptcy liquidates assets to pay off debts and offers a fresh start. Here&#8217;s the breakdown:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fresh Start:<\/b><span style=\"font-weight: 400;\"> If you&#8217;re overwhelmed with debt and can&#8217;t see a way out, Chapter 7 helps end most of your unsecured debts. The court can discharge credit card bills, medical expenses, and personal loans.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Selling Assets: <\/b><span style=\"font-weight: 400;\">The court appoints a trustee to review your assets (things you own). In some cases, the trustee might sell non-essential assets to pay back your creditors a part of what you owe. Some exemptions protect certain items, such as your car and household belongings, up to a specific value.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Focus on the Future:<\/b><span style=\"font-weight: 400;\"> Once the court approves your case, most of your unsecured debts are discharged, meaning you&#8217;re no longer obligated to pay them. This frees you up to rebuild your finances and move forward.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Note that Chapter 7 bankruptcy doesn&#8217;t discharge child support, student loans, or most tax debt.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Key_Things_to_Keep_in_Mind_When_Filing_For_Chapter_7_Bankruptcy_in_Kentucky\"><\/span><b>What are the Key Things to Keep in Mind When Filing For Chapter 7 Bankruptcy in Kentucky?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Filing for Chapter 7 in Kentucky begins a legal process to relieve overwhelming debt. Here&#8217;s what happens when you start a Chapter 7 bankruptcy filing:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Eligibility Check: <\/b><span style=\"font-weight: 400;\">First, you&#8217;ll need to determine if you qualify for Chapter 7 bankruptcy under Kentucky&#8217;s laws. To file for bankruptcy, you must pass a &#8220;means test&#8221; that assesses your income and expenses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Filing the Petition: <\/b><span style=\"font-weight: 400;\">If you meet the eligibility criteria, you&#8217;ll need to fill out a petition for Chapter 7 bankruptcy and submit it to the bankruptcy court in Kentucky. This petition provides an in-depth view of your financial status, including your income, assets, debts, and expenses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Automatic Stay: <\/b><span style=\"font-weight: 400;\">Once your petition is filed, an &#8220;automatic stay&#8221; goes into effect, which halts most collection actions by creditors. This means creditors must stop contacting you, and any ongoing lawsuits, wage garnishments, or foreclosure proceedings are paused.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Credit Counseling: <\/b><span style=\"font-weight: 400;\">Before your bankruptcy case can proceed, you must complete a credit counseling course from an approved provider. This course aims to help you understand your financial situation better and explore alternatives to bankruptcy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Meeting of Creditors: <\/b><span style=\"font-weight: 400;\">Approximately 20 to 40 days after filing your petition, you&#8217;ll attend a meeting of creditors, also known as a &#8220;341 meeting.&#8221; During this meeting, you&#8217;ll answer questions about your finances under oath, and your creditors have the opportunity to ask questions or raise objections.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Asset Liquidation: <\/b><span style=\"font-weight: 400;\">In Chapter 7 bankruptcy, a trustee may sell certain non-exempt assets to repay your creditors. But, Kentucky bankruptcy laws provide exemptions that allow you to protect essential assets like your home, car, and personal belongings.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Debt Discharge: <\/b><span style=\"font-weight: 400;\">If everything goes and there are no objections from creditors, you&#8217;ll receive a discharge of your qualifying debts, within a few months of filing. This discharge means you are no longer obligated to repay those debts.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Circumstances_Leading_to_Refiling_Chapter_7_in_Bankruptcy\"><\/span><b>What are the Circumstances Leading to Refiling Chapter 7 in Bankruptcy?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Even after a Chapter 7 discharge, life throws curveballs, and sometimes debt can pile up again. Below are some common reasons why someone in Kentucky might consider refiling for Chapter 7 bankruptcy:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Unexpected Medical Expenses:<\/b><span style=\"font-weight: 400;\"> Medical bills are a leading cause of bankruptcy, and even with past debts discharged, a new illness or accident can create a fresh wave of overwhelming debt.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Job Loss or Income Reduction:<\/b><span style=\"font-weight: 400;\"> Losing your job or facing a significant pay cut can make it impossible to keep up with post-bankruptcy financial obligations, leading to a renewed debt crisis.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Divorce or Separation:<\/b><span style=\"font-weight: 400;\"> Divorce can be devastating, with increased living expenses and potential division of debt. If the financial burden becomes unmanageable, refiling for Chapter 7 might be an option.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Accrued Tax Debt: <\/b><span style=\"font-weight: 400;\">While Chapter 7 doesn&#8217;t erase most tax debt, new tax liabilities can accumulate due to unforeseen circumstances, leading to the need for another bankruptcy filing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>New Debt Obligations: <\/b><span style=\"font-weight: 400;\">Sometimes, people take on new debt after a Chapter 7 discharge, such as student loans or co-signing on a loan for someone else. If these debts become unmanageable, refiling could be considered.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_Do_I_Refile_For_Chapter_7_Bankruptcy\"><\/span><b>How Do I Refile For Chapter 7 Bankruptcy?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Refiling for Chapter 7 in Kentucky involves several steps to navigate the legal process:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Assess Your Financial Situation: <\/b><span style=\"font-weight: 400;\">Before considering refiling for Chapter 7 bankruptcy, take a close look at your finances. Determine if your situation has changed since your previous bankruptcy filing and whether Chapter 7 is the best option for your current circumstances.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gather Documentation: <\/b><span style=\"font-weight: 400;\">Collect all relevant financial documents, including income statements, bank statements, tax returns, and a list of your debts and assets. Having this information organized will streamline the refiling process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Complete Means Test:<\/b> <span style=\"font-weight: 400;\">If it&#8217;s been less than eight years since you last filed Chapter 7 bankruptcy, you must show that you still qualify by passing the means test. This test looks at your income compared to the average in Kentucky and sees if you have enough extra money to pay your debts.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Review Changes in Circumstances: <\/b><span style=\"font-weight: 400;\">Consider any significant changes in your financial situation since your previous bankruptcy filing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Attend Credit Counseling:<\/b><span style=\"font-weight: 400;\"> Depending on the circumstances of your previous bankruptcy filing, you may need to complete credit counseling before refiling for Chapter 7 bankruptcy. This counseling aims to provide financial education and explore alternatives to bankruptcy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>File Petition with the Bankruptcy Court: <\/b><span style=\"font-weight: 400;\">Once you&#8217;ve completed the necessary preparations and documentation, file a new petition for Chapter 7 bankruptcy with the bankruptcy court in Kentucky. Ensure that all required forms are completed and submitted.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Attend Meeting of Creditors<\/b><span style=\"font-weight: 400;\">: Like in the initial filing, you&#8217;ll need to attend a meeting of creditors, where you&#8217;ll answer questions under oath about your financial situation. Creditors have the opportunity to raise objections or seek clarification during this meeting.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Asset Liquidation and Debt Discharge: <\/b><span style=\"font-weight: 400;\">If your refiling is successful and there are no objections from creditors, the bankruptcy trustee may liquidate any non-exempt assets to repay your debts. Once completed, you&#8217;ll receive a discharge of your qualifying debts, providing you with a fresh financial start.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Reapplying for Chapter 7 bankruptcy in Kentucky means you need to think hard about your money situation and follow all the rules.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Alternatives_to_Chapter_7_Bankruptcy_Refiling\"><\/span><b>What are the Alternatives to Chapter 7 Bankruptcy Refiling?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">After Chapter 7 bankruptcy, you must wait before filing again. In Kentucky, you can consider these alternatives to handle your debt without filing again:<\/span><\/p>\n<p><b>Debt Consolidation:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Streamline Payments: <\/b><span style=\"font-weight: 400;\">Merge many debts into a single loan with a lower interest rate. That simplifies your repayment process with one monthly payment.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Consideration:<\/b><span style=\"font-weight: 400;\"> Qualifying for a good interest rate on a consolidation loan might need decent credit, which could be a challenge after a bankruptcy filing.<\/span><\/li>\n<\/ul>\n<p><b>Debt Management Plan (DMP):<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Legal Help:<\/b><span style=\"font-weight: 400;\"> A non-profit credit counseling agency can negotiate with your creditors on your behalf. They might be able to lower your interest rates and create a manageable repayment plan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fees:<\/b><span style=\"font-weight: 400;\"> There might be a small monthly fee associated with a DMP.<\/span><\/li>\n<\/ul>\n<p><b>Negotiate with Creditors:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Communication is Key: <\/b><span style=\"font-weight: 400;\">Contact your creditors and explain your financial hardship. They might be willing to lower your interest rates or work out a payment extension.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Success Varies: <\/b><span style=\"font-weight: 400;\">The willingness of creditors to negotiate depends on your situation and their policies.<\/span><\/li>\n<\/ul>\n<p><b>Increase Your Income:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Boost Your Earning Power: <\/b><span style=\"font-weight: 400;\">Look for ways to increase your income. This extra income can help you chip away at your debt faster.<\/span><\/li>\n<\/ul>\n<p><b>Budgeting and Spending Management:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Track Your Finances: <\/b><span style=\"font-weight: 400;\">Create a detailed budget to track your income and expenses. Identify areas where you can cut back on unnecessary spending.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Focus on Your Needs:<\/b><span style=\"font-weight: 400;\"> Focus on paying for essential expenses. Develop a plan to tackle your debt after covering basic needs.<\/span><\/li>\n<\/ul>\n<p><b>Consider Chapter 13 Bankruptcy:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Repayment Plan: <\/b><span style=\"font-weight: 400;\">Chapter 13 involves creating a court-approved repayment plan to repay all or a part of your debt over three to five years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Eligibility: <\/b><span style=\"font-weight: 400;\">Income limitations might apply for Chapter 13, unlike Chapter 7. You can file Chapter 7 again anytime after your previous case closes. But, if you do so within four years of the initial filing, you won&#8217;t be eligible to have your debts discharged at the end of the new case.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"When_are_Many_Bankruptcy_Filings_Abusive\"><\/span><b>When are Many Bankruptcy Filings Abusive?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">An &#8220;abusive bankruptcy filing&#8221; happens when someone files for Chapter 7 bankruptcy but doesn&#8217;t pass the means test. It can also mean using bankruptcy to avoid paying creditors or delaying things like foreclosure.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The court doesn&#8217;t like it when people file for bankruptcy without planning to go through with it. If someone does this, they might lose out on benefits like protection from creditors or getting rid of their debt.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Call_Our_Kentucky_Bankruptcy_Attorney_Now\"><\/span><b>Call Our Kentucky Bankruptcy Attorney Now!<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Understanding how to refile for Chapter 7 bankruptcy in Kentucky means knowing about certain waiting times and things to think about. To determine the best course of action for your specific needs, consulting with a<\/span><a href=\"https:\/\/farmerwright.com\/\"><span style=\"font-weight: 400;\"> Kentucky bankruptcy attorney<\/span><\/a><span style=\"font-weight: 400;\"> is important.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At Farmer &amp; Wright, PLLC in Paducah, KY, we understand how tough debt can be. We&#8217;re here to help you find a way out. Our bankruptcy firm offers free consultations to talk about your situation and look at options like filing for Chapter 7 again or finding other solutions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Contact Farmer &amp; Wright, PLLC today and take the first step toward a brighter financial future.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn if Chapter 7 Bankruptcy is an Option You Can Retake Figuring out what to do when dealing with a lot of debt can be tough, especially in Kentucky. Some people consider filing for Chapter 7 in Kentucky to help them get rid of their debts and start fresh. But here&#8217;s the big question: Can [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":12285,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[3,89],"tags":[],"_links":{"self":[{"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/posts\/12283"}],"collection":[{"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/comments?post=12283"}],"version-history":[{"count":1,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/posts\/12283\/revisions"}],"predecessor-version":[{"id":12286,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/posts\/12283\/revisions\/12286"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/media\/12285"}],"wp:attachment":[{"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/media?parent=12283"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/categories?post=12283"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/farmerwright.com\/wp-json\/wp\/v2\/tags?post=12283"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}