Refiling bankruptcy after a dismissal depends on the type of dismissal the court grants. A dismissal without prejudice can mean you can refile as soon as you have the paperwork in order. A dismissal with prejudice often means you have to wait a certain period of time before you can refile. This time frame can be anywhere between 90 days and a year. During this time, you lose the protection of an automatic stay, which means creditors can begin repossessing your car and your home. This is why it’s important to be honest with your bankruptcy attorney and meet all the requirements of bankruptcy law.