Refiling a Chapter 7 Bankruptcy Case in Oregon or Washington After a Failed Means Test

In both Oregon and Washington, there are normally penalties for filing subsequent bankruptcy cases within one year after a prior case has been dismissed.

The main penalty is that the automatic stay, which bars creditors from initiating or continuing any action against the debtor, ends exactly 30 days after the petition is filed. In the case of a bankruptcy filed after multiple dismissals, the automatic stay never even goes into effect. The bankruptcy stay termination penalty does not, however, apply to cases refiled after a dismissal refiled after a dismissal for failure to pass the means test.