It is not uncommon for an individual to file bankruptcy, and then need to refile at a later date. For instance, your plan payment under a Chapter 13 bankruptcy (a reorganization) may have been too large. Or you may have additional unforeseen circumstances such as reduced income that caused you to become dependent on credit.
You may have found yourself in over your heads with credit card debts, medical debts, or other debts. You may feel that you can no longer keep up with the minimum payments, and that your only true option is bankruptcy.
Once you decide that bankruptcy is the path for you, there are a number of steps you must take. First, you must decide which type of bankruptcy fits your situation. Most people file either a Chapter 7 or a Chapter 13. Chapter 7 allows most of your debts to be cancelled, while a Chapter 13 requires that payments be made on a payment plan. Both a Chapter 7 and a Chapter 13 have specific requirements, as well as limitations.