You may receive a full Chapter 7 discharge every 8 years. However, if something arises in between you may file a Chapter 13. You can then received a full discharge if it has been 4 years since a Chapter 7 discharge. However, you can still file a Chapter 13 if 4 years have not passed and stop all interest and fees. You may recieve a full discharge in Chapter 13 every 2 years from filing date.
Contact our office today for your free consultation to discuss your individual situation and see if bankruptcy is the answer for you.