In some circumstances, you can file bankruptcy again but before you jump into a second bankruptcy, make sure it is the right thing to do. Bankruptcy isn't a permanent safety net--and can't be treated as such.

While bankruptcy can provide you with a fresh start, filing again may not be as easy as you think. The events that create a need for bankruptcy often aren't anything we want to experience again. How would it feel to start receiving those harassing creditor calls again? What about a wage garnishment? It would be in you and your family's best interest to avoid revisiting those circumstances again. It isn't just the circumstances that make it difficult, there are also periods of time required before you file again. If you have filed a Chapter 7 and received a discharge sometime in the last 8 years, you can't file Chapter 7 for a second time. As for Chapter 13, the benefits you received from an original bankruptcy filing may affect what benefits you may receive from filing bankruptcy again. (It is important to keep in mind that every situation is different and, if you aren't sure if you can file again, it would be best to take advantage of a free consultation from a reputable bankruptcy attorney.)

This is not to say that filing again is impossible—in fact, sometimes it is necessary. Events happen that are outside our control and bankruptcy is a wonderful tool that has helped many people become the successes they always wanted to be. It helps families in overwhelming amounts of debt get protection from foreclosure, find a solution to credit card debt, and finally get relief from the harassment of their creditors. If at all possible, I would be determined to file only once for bankruptcy protection.

How can you help yourself stay away from a second bankruptcy filing? Being by picking a really great St. Louis bankruptcy attorney. While many attorneys care about your well-being during your bankruptcy, the best ones also care before and after and provide you with information to be successful post-bankruptcy. Also, keep careful track of your pocketbook. If you've got to make a different budget, resist impulsive buying decisions, and work hard to stick to your new lifestyle, do it.

Remember, a St. Louis bankruptcy lawyer can wipe the slate clean but it is your responsibility to jump off from there. Educate yourself on your options, make responsible decisions, and get yourself on the way to a successful post-bankruptcy life.