Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How often can you file bankruptcy? - I filed in April of 2006. I viewed my credit report a couple of years ago, and I remember saying something about it going off of my credit in 2016. Is this when I can file again? 10 years? Or is it 7? br br My intention was to never have to file again, but I got sick and have tons of medical bills from the last 3 years.