According to the US Bankruptcy Code, you can file for Chapter 7 as often as you want. The trick is not in the filing, but in the eligibility of a discharge – that’s why people file Chapter 7.
Under the law, you can receive a discharge in a Chapter 7 bankruptcy only once every eight years. But that doesn’t necessarily mean you cannot file for bankruptcy at all if you’ve had a Chapter 7 less than 8 years ago.
In fact, it is common practice to file a Chapter 7 bankruptcy to discharge certain debts and then to file a Chapter 13 to take care of debts that cannot be discharged in the Chapter 7. This is sometimes called “Chapter 20″ and many people find it a useful way to take care of all debts in the most effective way possible.
But even if you’re not looking into a Chapter 20, remember that a Chapter 13 may be available as a way to solve bill problems even if you’ve already gone through a Chapter 7. When you’re over your head in debts, this can be a handy solution.