The type of bankruptcy initially filed where a discharge is received is a determining factor in the number of years that must pass before a debtor can refile for bankruptcy and again receive a discharge. Whether living in towns such as Moorestown, New Jersey or Northeast Philadelphia, Pennsylvania the rules relating to obtaining a bankruptcy discharge in a second bankruptcy are the same.
After eight years, a debtor can file for a second Chapter 7 bankruptcy with an existing Chapter 7 discharge.
After two years, a debtor can file for a second Chapter 13 bankruptcy with an existing Chapter 13 discharge.
After six years, a debtor can file for a Chapter 7 bankruptcy with an existing Chapter 13 discharge. The only exceptions to the six-year waiting period are if all unsecured creditors are paid in full or if at least 70% of the claims were paid and the plan was proposed in good faith and the debtor’s best effort.
After four years, a debtor can file for a Chapter 13 bankruptcy with an existing Chapter 7 discharge.
http://www.nolo.com/legal-encyclopedia/multiple-bankruptcy-filings-when-file-again.html
