Car accidents, loss of job, divorce, identity theft, predatory lending, sickness, and natural disasters can happen to people more than once in a lifetime. The Bankruptcy Code prevents debtors from filing consecutive Chapter 7 bankruptcies within eight years. It also prevents debtors from filing a Chapter 13 bankruptcy less than four years after filing a Chapter 7 and prevents debtors from filing a Chapter 7 less than six years after filing a Chapter 13.