*Rule may be waived if 70% of unsecured creditors were paid in the Chapter 13
The above time periods are to be eligible for multiple discharges. That does not mean a debtor is ineligible to file. Although the goal of filing a bankruptcy usually is to obtain a discharge there are other reasons to file. One example is to file a Chapter 13 to stop a foreclosure. Another would be to file to regain possession of a repossessed vehicle. Ending wage garnishment or dealing with tax debt may be another reason to file when not eligible to receive a discharge.