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§727(a)(8) 8-Year Chapter 7 Refiling Bar in Illinois

How 11 U.S.C. § 727(a)(8) applies in Illinois — federal bankruptcy law, Illinois district data.

What §727(a)(8) 8-Year Chapter 7 Refiling Bar Does

You cannot receive a second Chapter 7 discharge within 8 years of a prior Chapter 7 discharge. The clock runs from filing-date to filing-date, not discharge-to-discharge. Filing within 8 years is not prohibited — the case will proceed, but discharge will be denied.

Key points:

Illinois Bankruptcy Data (FJC)

283,280
Total filings
63.4%
Dismiss rate
106,795
Prior filers
24.9%
Prior discharge rate

Districts covered: N.D. Ill., C.D. Ill., S.D. Ill..

Apply This to Your Case

The rules above are federal — they apply identically in every state. What varies by state is exemptions (§522), median income thresholds (means test), and case-law interpretations of ambiguous terms. For a Illinois-specific answer, check the screener or consult a local attorney.

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Related Illinois Statutes

109(g) Filing Bar §362 Automatic Stay §362(k) Stay Violation Damages §506 Secured Claim Valuation §507 Priority Claims §522 Bankruptcy Exemptions §523 Nondischargeable Debts §524 Discharge Injunction §541 Property of the Estate §547 Preferential Transfers §548 Fraudulent Transfers §707(b) Means Test Dismissal §727 Chapter 7 Discharge §1322 Chapter 13 Plan Contents §1325 Chapter 13 Plan Confirmation §1328 Chapter 13 Discharge §1328(f) Refiling Bar §1329 Plan Modification §1192 Subchapter V Discharge

§727(a)(8) 8-Year Chapter 7 Refiling Bar in Other States

§727(a)(8) 8-Year Chapter 7 Refiling Bar in Alabama §727(a)(8) 8-Year Chapter 7 Refiling Bar in California §727(a)(8) 8-Year Chapter 7 Refiling Bar in Florida §727(a)(8) 8-Year Chapter 7 Refiling Bar in New York §727(a)(8) 8-Year Chapter 7 Refiling Bar in Texas §727(a)(8) 8-Year Chapter 7 Refiling Bar in Ohio §727(a)(8) 8-Year Chapter 7 Refiling Bar in Georgia §727(a)(8) 8-Year Chapter 7 Refiling Bar in Pennsylvania §727(a)(8) 8-Year Chapter 7 Refiling Bar in Michigan §727(a)(8) 8-Year Chapter 7 Refiling Bar in Washington §727(a)(8) 8-Year Chapter 7 Refiling Bar in Colorado

Data: FJC Integrated Database. Statute: 11 U.S.C. § 727(a)(8) (Cornell Law).

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This page provides general information about federal bankruptcy law. Not legal advice. Consult a licensed attorney for advice on your specific situation.