Eligibility Calculator
Full interactive calculator: Use the comprehensive free screener at 1328f.com/check.html -- it checks all Section 1328(f), 727(a)(8), 727(a)(9), and 109(g) bars automatically.
To check your eligibility manually, you need:
- Filing date of your prior case
- Chapter filed (7, 13, 11, or 12)
- How it ended (discharged, dismissed, or converted)
- Date of discharge (if applicable)
- Chapter you want to file now
Quick Reference
| Prior | New | Wait | Earliest New Filing |
|---|---|---|---|
| Ch.7 (discharged) | Ch.7 | 8 years | Prior filing date + 8 years |
| Ch.7 (discharged) | Ch.13 | 4 years | Prior filing date + 4 years |
| Ch.13 (discharged) | Ch.7 | 6 years* | Prior filing date + 6 years* |
| Ch.13 (discharged) | Ch.13 | 2 years | Prior filing date + 2 years |
| Any (dismissed) | Any | 0-180 days | Depends on 109(g) |
* Exception if Ch.13 paid 100% or 70%+ in good faith with best effort
Step-by-Step Manual Check
- Check 109(g): Was your prior case dismissed for willful failure to obey court orders, or voluntarily after a stay relief motion? If yes, you cannot file for 180 days from dismissal. 109g.org calculator
- Check discharge bars: Was a discharge entered? If yes, look up the applicable bar from the chart above. 1328f.com screener
- Check stay limits: Was a case dismissed within the past year? If yes, the stay will be limited (362(c)(3)) or absent (362(c)(4)). automaticstay.org
- If no bars apply: You can file and receive a discharge immediately (subject to completing all requirements of the new case).
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