Thank you so what do you mean apply thru the courts if its after 5 years what happens then and have one final question my wife and I have have joint bank account it was opened in her name but the loan is in my name how do I file that so it doesn,t interfere with her good credit

I was made bankrupt around 4 to 5 years ago now and now find myself in trouble once again can I file bankruptcy for second time or not any advice would be so helpfull indeed