I filed bankruptcy in July 2003, when can I file again in Mo? My husband has lost his job is there any circumstances that would enable me to file?

It depends on what kind of bankruptcy you filed for in 2003. If it was a Chapter 7, you must wait 8 years before you can receive another Chapter 7 discharge. If the second bankruptcy filing will be for Chapter 13, you must wait 4 years.

If your previous filing was for Chapter 13, you must wait 2 years before receiving another Chapter 13 discharge. To file a Chapter 7 bankruptcy, you must wait 6 years.

The time is measured from filing date to filing date, not from discharge date to filing date. Also, there are exceptions to these time limits. Consult a bankruptcy attorney in your area to find out if you qualify for an exception which may allow you to file before the end of the waiting period.