“When it comes to filing a subsequent Chapter 13 bankruptcy after a previous discharge, the law stipulates a specific waiting period. According to the U.S. Bankruptcy Code, you must wait two years from the date of filing your previous Chapter 13 bankruptcy before you can file another one.

It's important to note that this two-year period is calculated from the filing date of your previous bankruptcy, not the discharge date. This distinction is crucial because a Chapter 13 bankruptcy typically lasts three to five years, meaning that in most cases, you'll be eligible to file again immediately after your previous case is closed.”