What Debts Are Dischargeable in a Chapter 13 Bankruptcy?



A Chapter 13 bankruptcy lawyer can assist in understanding which debts may be discharged and how a repayment plan can facilitate long-term financial recovery. Chapter 13 offers a structured repayment process for those seeking debt relief, and certain remaining qualifying debts may be eliminated upon successful completion of the plan. The debts that can be discharged depend on the situation and may include credit card balances, medical bills, certain unsecured personal loans, and some debts from negligence or breach of contract. Certain tax liabilities might be forgiven as well, but tax debts have particular legal requirements. Not all debts are eligible, so it is important to talk to a bankruptcy lawyer about your financial situation before you make any decisions. Student loans are not discharged in a typical Chapter 13 discharge. The law regarding student loans in bankruptcy can be complicated and there may be exceptions or other legal procedures. Other debts also may be collectible including some domestic support debts and some debts arising from fraud or other intentional bad acts. The Massachusetts Bankruptcy Center educates consumers on their bankruptcy options and the possible effects of filing. The firm has more than 23 years of experience helping individuals and business owners and provides custom advice for each client's needs. 




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