It is a common misperception that you can only file one bankruptcy in your lifetime. This has never been true. It does sometimes happen that people need to file a second or even a third bankruptcy due to unforeseen circumstances which occur in their lives.
If you have once filed a bankruptcy you’re still eligible to file another one – depending on the length of time from the filing date of your first bankruptcy – and the kind of bankruptcy that you now wish to file. The time that you have to wait from filing one chapter 7 to a second chapter 7 is eight years from the filing date of the first bankruptcy case. If you wish to file a bankruptcy under chapter 13 after a chapter 7, the waiting period is only four years.