Debts that Remain after Chapter 13 Bankruptcy

Orlando Bankruptcy Attorney | Chapter 13 Bankruptcy: Debts that Remain

Orlando Chapter 13 Bankruptcy Debts that Remain Overview:

• What is the Chapter 13 Bankruptcy Discharge and what does it mean to you?
• When will Your Chapter 13 Bankruptcy Discharge Come?
• Which Debts May remain after your Chapter 13 Bankruptcy discharge?

Orlando Chapter 13 Bankruptcy Debts that Remain Details:

What is Chapter 13 Bankruptcy Discharge and what does it mean to you?

The main goal you have when filing Chapter 13 Bankruptcy of the U.S. Bankruptcy Code is to obtain the discharge at the end of your repayment period, which may last anywhere from 3-5 years. Chapter 13 discharge refers to your official exit from Chapter 13 Bankruptcy and generally represents when your quest to control your financial destiny begins. Upon being discharged from Chapter 13 bankruptcy, all of your planning and hard work will have paid off. Once you receive a Chapter 13 bankruptcy discharge, you will likely be in position to choose the next step in your financial journey

When will your Chapter 13 Bankruptcy Discharge Come?

Your secured debts will be discharged from Chapter 13 bankruptcy when you have made all of your scheduled payments under your 3-5 year repayment plan. All your domestic support obligations should be paid;  you did not receive a separate discharge in a bankruptcy case; and you have completed your financial management course.

Which Debts May remain after your Chapter 13 Bankruptcy discharge?

The fact that you have a discharge doesn’t mean that you will be free from debt. The non-discharge debts you will still be responsible for after receiving a Chapter 13 discharge are: taxes, student loans, marital debt, child support and alimony, intentional torts, operating a vehicle while intoxicated, recent credit purchases/cash advances, fines and citations, and fraud. The new changes in bankruptcy law made the collection of domestic support obligations of greater importance. If you specifically fail to pay child support, alimony, or any other domestic debts, then your Chapter 13 Bankruptcy case may be dismissed after filing.

Need more information on the Chapter 13 bankruptcy discharge process? Please contact Orlando, BAKER LAW, PL.


BAKER LAW, PL serves the Central Florida and seven-county Orlando area, including the cities of Sanford, Lakeland, Lady Lake, Kissimmee, Maitland, Lake Mary, Oviedo, Winter Garden, Winter Park, Windermere, Lake Nona, Apopka, Mount Dora, Winter Springs, Longwood, Orlando, North Orlando, South Orlando, East Orlando, West Orlando, Melbourne, Titusville, Cape Canaveral, Daytona Beach and New Smyrna Beach, and the counties of Orange, Seminole, Lake, Polk, Brevard, Volusia and Osceola.