Hi - my name is XXXXX XXXXX I'm a Bankruptcy litigation attorney here to assist you.
Bankruptcy should be the last resort, and I would recommend that you try to work out a payment plan with your creditors to reduce your monthly payments and also your account balances. I don't recommend that you seek help from a credit or debt relief agency as they're generally a waste of money and time. You're better off to try and resolve the debts yourself.
If the creditors are unwilling or unable to work something out, you can also get relief by filing Chapter 7 bankruptcy.
Yes, you can file a Chapter 7 since it's been so long since your Chapter 13 filing. Here's the breakdown of time between filing bankruptcy:
8 years between 7s. -727(a)(8)
2 years between 13s. -1328(f)(2)
4 years between a 7 and 13 -1328(f)(1)
6 years between a 13 and 7(if under 70% plan). -727(a)(9)
You'll probably get nowhere with the creditors, but if you try, at least you'll know that you did all you could before filing.
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