You can file for bankruptcy as often as you like; however, there are limits to how often you can receive a discharge. The timetable is as follows: Chapter 7 after Chapter 7: every 8 years Chapter 7 ...
Chapter 13 bankruptcy can help borrowers reorganize debt, but it also comes with some trade-offs to understand.
If you're filing for bankruptcy soon, the required waiting periods could have an impact on your approach.