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Reasons your Chapter 7 bankruptcy petition could get denied

On Behalf of | Apr 5, 2024 | Chapter 7

Say that you want to file for Chapter 7 bankruptcy in Washington, as you’re seeking to obtain relief from overwhelming debt and get a chance to start afresh. Bankruptcy denials are rare but possible, and it is important to understand the process and potential reasons for denial to better ensure that your application is successful.

When applying for Chapter 7 discharge in Washington, there are several criteria you must meet for your application to succeed. The following are common reasons for Chapter 7 bankruptcy denial.

Prior bankruptcy in less than 8 years

If you have had a Chapter 7 bankruptcy discharge within the past eight years, your Chapter 7 bankruptcy application in Washington may be denied. If you’ve previously received Chapter 7 discharge relief, you must wait for at least eight years from the date of the prior discharge before you can file for Chapter 7 bankruptcy again and be eligible for another discharge. Filing before this waiting period has elapsed is grounds for denial of the Chapter 7 discharge application.

Fraudulent behavior

Actions that amount to fraudulent behavior can result in the denial of your Chapter 7 bankruptcy application in Washington. This includes any attempts to conceal assets, provide false information or engage in fraudulent transactions leading up to or during the bankruptcy process. If the bankruptcy court determines that you have acted fraudulently, your application may be denied and you could face legal consequences.

Failure to complete mandatory requirements

Bankruptcy is not simply a matter of filing paperwork; it involves fulfilling certain mandatory requirements as well. Failure to complete these requirements can lead to the denial of your Chapter 7 bankruptcy application in Washington. These requirements may include attending credit counseling sessions, submitting accurate and complete financial disclosures, providing necessary documentation and complying with court orders and deadlines throughout the bankruptcy process.

Seeking legal counsel can help guide you through the bankruptcy process. Making this effort can better ensure that all legal requirements are met, improving your chances of success.