Chapter 13 Discharge
Dischargeable debts under Chapter 13 can be extremely confusing. These laws have undergone major changes in recent years. We highly recommend you contact an experienced bankruptcy attorney in your area to help you with your case.
If you choose to file for bankruptcy under Chapter 13, your debts will be discharged only after you have completed your payments required by the court-approved repayment plan. However, limited circumstances may enable you to request a "hardship discharge" despite your failure to complete plan payments. An experienced bankruptcy attorney in your area can advise you about all aspects of your Chapter 13 discharge.
In Chapter 13 cases, the court awards the discharge as soon as practical upon the debtor’s completion of all payments under the plan. Usually when you file under Chapter 13, you are discharged from all debts the plan provides for with the exception of certain long-term obligations such as:
- A home mortgage
- Alimony or child support payments
- Debts for most government funded or guaranteed educational loans or benefit overpayments
- Debts arising from death or personal injury caused by driving while under the influence of alcohol or drugs
- Debts for restitution or a criminal fine included in a sentence on the debtor's conviction of a crime.
Click here for more information on non-dischargeable debts.
Contact a bankruptcy lawyer in your area to find out more about filing for bankruptcy.