Basinger, FL Bankruptcy Law Firms & Lawyers

Your facts are very unclear.  When you say you "since had other creditors", what does that mean?  Do you mean you incurred new debts after you filed your prior bankruptcy case, or do you mean you had debts that you incurred prior to filing your prior bankruptcy case that you failed to include on your schedules? Bankruptcy only discharges debts that are owed prior to the date the case is filed.  If these debts fall into that category, then you may not need to do anything depending on which chapter you filed, whether assets were distributed in the case, and the court decisions regarding unscheduled debts in your jurisdiction. You need to consult with a bankruptcy attorney in your area. Mark Markus has been practicing exclusively bankruptcy law in California since 1991.  He is a Certified Specialist in Bankruptcy Law by the State Bar of California Board of Legal Specialization,  AV-Rated by martindale.com, and A+ rated by the Better Business Bureau.  

That depends on the quality and experience of the attorney you hire, as well as the complexity of your case. Easiest way to find out is to have consultations with bankruptcy attorneys in your area.

This will entirely depend on the lender. Some lenders require a reaffirmation agreement, some do not. To refinance usually does not require a reaffirmation agreement. The difficult part is rebuilding and establishing your credit sufficient to qualify for a refinance.