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Legally speaking, a person can file for bankruptcies as many times as they want. However, the process becomes more restrictive. With a second bankruptcy, you will not qualify for an automatic bankruptcy discharge in nine months.

Can I Add a Creditor After Receiving a Debt Discharge? You can, but you'll likely need to file a motion to reopen your case, and before you do, you'll want to know the effect it will have on your bankruptcy matter. Consider meeting with a local bankruptcy lawyer who can explain your court's policies and procedures.

In most instances, debtors can request a voluntary dismissal of Chapter 13 cases because a reorganization is voluntary. The courts do not force debtors to reorganize their debts through a bankruptcy plan. However, you need to consider the consequences of your decision to dismiss a Chapter 13 bankruptcy case.

While it may make an impact on your credit score initially, a bankruptcy allows individuals to recover from their financial situation and start with a clean slate.

To add debt to Chapter 13, the debtor must motion the court to modify their repayment plan. Once your lawyer files the motion, you must show you cannot pay the new debt outside of the plan. Additionally, adding the new debt cannot negatively impact the current creditors.

Pay your bills on time. Open a savings account and make regular deposits to build a financial cushion. Finish paying any debts that may have survived your bankruptcy. Cut your monthly expenses so you aren't just living within your means but also leaving room for sudden price increases in your budget.