Your Debts in Chapter 13 Bankruptcy
Here's how Chapter 13 bankruptcy generall works: You keep your property and repay some or all of your debts through a repayment plan which lasts for three or five years. How much you pay on a given debt depends on a number of factors. Secured debts are treated differently than unsecured debts. Usually, you pay only a portion of your unsecured debts through your plan -- the remainder is dischaged at the end of your bankruptcy. Bankruptcy law also assigns priority to some debts, so that you must pay them first and in full.
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Debts That Must Be Paid in Chapter 13 Bankruptcy
In Chapter 13 bankruptcy, you must pay some debts in full through your plan; others you pay in part. Here are the details.
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Debts Discharged at the End of Chapter 13 Bankruptcy
When you complete your Chapter 13 bankruptcy, most of your debts are wiped out by your discharge.
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Post-Petition Debts in Chapter 13 Bankruptcy
Your options if you need to incur debt during your Chapter 13 bankruptcy repayment period.
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Will Your Cosigner Be Liable for Debt if You File for Bankruptcy?
Find out if your cosigner or guarantor will be on the hook for your debt if you file for bankruptcy.
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Debts That Survive Chapter 13 Bankruptcy
After you complete your Chapter 13 plan, some of the remaining debts won't be discharged.
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Debts Discharged in Chapter 13 But Not in Chapter 7
Certain debts that cannot be discharged in Chapter 7 bankrutpcy can be discharged in Chapter 13.
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How to Pay Off a Chapter 13 Bankruptcy Early
You might be able to get out of Chapter 13 bankruptcy early if you can pay off your debt or you prove a financial hardship.
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Unsecured Debt in Chapter 13: How Much Must You Pay?
How much you must pay to your general unsecured creditors in Chapter 13 bankruptcy depends on your disposable income and the "best interest of creditors" test.
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Learn about unsecured debts, including what they are and how creditors can collect on them.
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Learn about secured debts and how creditors can collect them.
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Child Support Debt in Chapter 13 Bankruptcy
Filing for Chapter 13 bankruptcy will not discharge your obligations -- but it can help you to get caught up.
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Student Loan Debt in Bankruptcy
Most debtors will not be able to discharge (wipe out) student loan debt in Chapter 7 or Chapter 13 bankruptcy.
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HOA Dues in Chapter 13 Bankruptcy
Here's how homeowners association fees are treated in Chapter 13 bankruptcy.
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Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time
This comprehensive guide explains the Chapter 13 process, from start to finish.
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The New Bankruptcy: Will It Work for You?
Learn about Chapter 7 and Chapter 13 bankruptcy, and determine if either is a good option for you.
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When Credit Card Debt Is Secured
Credit card debt is usually unsecured. But there are some exceptions.
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Can I Run Up my Credit Card Balances Before I File Bankruptcy?
If you run up your credit card balances right before filing for bankruptcy, the debt might not be wiped out by your bankruptcy.
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Tax Debts in Chapter 13 Bankruptcy
In most cases, you cannot discharge (wipe out) tax debts in Chapter 13 bankruptcy. Instead, you repay your tax debts through the life of your Chapter 13 repayment plan, which could last either three or five years. But there are exceptions.
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