Chapter 13 Bankruptcy Discharge
File your own chapter 13 chapter bankruptcy and receive a discharge of your debts in about 90 days!
Chapter 13 bankruptcy discharge entitles you to a discharge upon successful completion of all payments under your chapter 13 repayment plan, thus you are released from all debts provided for by the plan or disallowed (under section 502), with limited exceptions.
Creditors who were provided for in full or in part under the chapter 13 repayment plan may no longer initiate or continue any legal or other action against you to collect the discharged obligations (debts).
Chapter 13 discharges provide a broader discharge than in a chapter 7 bankruptcy case in return for your willingness to undergo the discipline of a repayment plan for three to five years! As a general rule, you are discharged from all debts provided for by the plan or disallowed, except:
- Certain long term obligations (such as a home mortgage);
- Alimony or child support;
- Most government funded or guaranteed educational loans or benefit overpayments;
- A death or personal injury caused by driving while intoxicated or under the influence of drugs; and
- For restitution or a criminal fine included in a sentence on the debtor’s conviction of a crime.
To the extent that the above type of debts are not fully paid pursuant to the chapter 13 plan, you will still be responsible for them after the chapter 13 bankruptcy case has concluded.
See our in-depth information on bankruptcy discharge and chapters 7, 11, and 12: Chapter 13 bankruptcy discharge