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Co-signors of a loan can be stuck with your debt unless they also file for bankruptcy protection. If you filed a prior case and received a discharge of your debts, you can only file a second Chapter 7 bankruptcy case eight years after you filed the first case.

What Happens After Filing for Bankruptcy in Washington? Your creditors will stop bothering you soon after you file. It takes a few days because the court mails your creditors notice of the "automatic stay" order that prevents most creditors from continuing to ask you to pay them.

If your total monthly income over the course of the next 60 months is less than $7,475 then you pass the means test and you may file a Chapter 7 bankruptcy. If it is over $12,475 then you fail the means test and don't have the option of filing Chapter 7.

You can only file for bankruptcy once every 8 years. Before filing for Chapter 7, at least one of these should be true: You have a lot of debt and income and/or assets a creditor could take. You lost your driver license after being in an accident while uninsured.

How Does Bankruptcy Work in Washington? In most respects, filing for bankruptcy in Washington isn't different from filing in another state. The bankruptcy process falls under federal law, not Washington state law, and works by unwinding the contracts between you and your creditors. That's what gives you a fresh start.

Are There Consequences To Filing Bankruptcy Multiple Times? While there may not be a limit to how many times you can file for bankruptcy, there are some consequences. In some cases, you may not get the protection of the automatic stay and/or you may damage your credit score.