Can I File Bankruptcy if I Already Have Before?

You can still file for bankruptcy in Vancouver or Portland after having filed previously, so long as you meet the requirements for another bankruptcy (either Chapter 7 or Chapter 13 personal bankruptcy. With Chapter 13 you may refile bankruptcy again after two years, but the new bankruptcy must also be a Chapter 13.

In addition to the above caveats, you must:

• have lived in Oregon or Washington for at least 90 days to file Chapter 13
• petition for Chapter 13 bankruptcy with the appropriate bankruptcy court
• await the bankruptcy court's acceptance of your petition -- they will send you a notice listing all of the creditors you owe
• await the court's appointment of a trustee to your bankruptcy case -- if you haven't heard anything and you feel you should have, get in touch with Thomas McAvity, your Vancouver bankruptcy attorney right away

Anything beyond this will depend on your unique bankruptcy case -- as they say about snowflakes, each of us is different, and so are our bankruptcy filings.

Above all, what you need to understand more than any of the confusing details is that there is help for you, you are entitled to it, and you can reach out to bankruptcy lawyer Thomas McAvity for help. A healthy financial life is in your future, but you have to choose it for yourself before anyone can help – but once you choose, help will be on the way.

Please call Thomas McAvity and the NWDRLF team by dialing 1-866-601-1918 or simply click here to send an e-mail directly.

Tom McAvity's Chapter 7 versus Chapter 13: which works for you?

Have you ever been told -- whether to your face or through experience -- that bankruptcy is a bad thing? Perhaps you've been told or made to understand that filing for personal bankruptcy is bad for your reputation. Tom McAvity is here to tell you otherwise.
Personal bankruptcy, whether it is a Chapter 7 asset liquidation, or a Chapter 13 reorganization of debt, can both be good if they are geared toward the proper candidate.
When faced with financial hardship that is costing you more than it should financially, emotionally, and mentally, the time comes to consider one of these two types of bankruptcy.
Tom McAvity and his team at NWDRLF can help you to decide which of these two options in personal bankruptcy makes the most sense for you. Some of the deciding factors may be:

• Are you a sole proprietor of a small business?
• Are you a homeowner behind on mortgage payments?
• Do you own commercial and/or other real property?
• Are your bills mainly due to credit card debt?
• Are you behind on bills but think you could catch up if you could just catch a break?
• Have you been laid off or had a layoff in the family?

Tom McAvity will look at the answers to these questions and tailor either a Chapter 13 or Chapter 7 bankruptcy plan that will serve you and your financial future best.

You can always direct any questions you have to Tom McAvity by contacting NWDRLF at 1-866-601-1918. Please, let us know how we can help you today!