{"id":286926,"date":"2016-04-04T10:41:50","date_gmt":"2016-04-04T15:41:50","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/bankruptcy\/chapter-13\/repayment-plan.html"},"modified":"2021-09-20T14:12:25","modified_gmt":"2021-09-20T19:12:25","slug":"repayment-plan","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/repayment-plan.html","title":{"rendered":"Repayment Plan"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><div\n    data-testid=\"fl-general-title\"\n    class=\"fl-general-title fl-flex fl-gap20 fl-items-end\"\n>\n    <div class=\"fl-general-title-heading fl-flex fl-flex-column\">\n        <h1\n            class=\"fl-h1 fl-general-title-title fl-no-spacing\"\n            data-testid=\"fl-general-title-title\"\n        >\n            Chapter 13 Repayment Plan\n        <\/h1>\n        <p\n            class=\"fl-general-title-description fl-text-xl fl-no-margin\"\n            data-testid=\"fl-general-title-description\"\n        >\n            Chapter 13 creates a repayment plan for you to follow.\n        <\/p>\n    <\/div>\n<\/div>\n\n\n    <div class=\"fl-callout-text article-blockquote\">\n        <p><i data-redactor-tag=\"i\">A repayment plan in Chapter 13 bankruptcy is a court-approved schedule that lasts\u00a0between three to five years.\u00a0You make set monthly payments to a trustee, who then pays your creditors. The plan is based on your income and reasonable expenses. It\u00a0requires payment in full\u00a0of certain debts\u00a0like child support, alimony, and some taxes.\u00a0Payments are made to\u00a0secured debts to protect collateral you&#8217;re keeping,\u00a0while\u00a0unsecured creditors\u00a0may get\u00a0least what they&#8217;d expect from a\u00a0Chapter 7 bankruptcy case. Once the judge confirms the plan and you complete all payments, the remaining eligible unsecured debts can be discharged.<\/i><\/p>\n\n    <\/div>\n\n\n\n<div\n    class=\"fl-category-overview\"\n    data-testid=\"fl-category-overview\"\n>\n    <div\n        class=\"fl-accordion fl-category-overview-container\"\n        id=\"category-overview\"\n        data-testid=\"fl-accordion\"\n    >\n                    <div\n               class=\"fl-accordion-item fl-category-overview-item\"\n               id=\"section-1-category-overview\"\n               aria-labelledby=\"button-1-category-overview\"\n               data-testid=\"fl-accordion-item\"\n            >\n                <h2\n                    class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                    data-testid=\"fl-accordion-header\"\n                >\n                    <button\n                        id=\"button-1-category-overview\"\n                        aria-label=\"Category 1 content\"\n                        aria-expanded=\"false\"\n                        aria-controls=\"section-1-category-overview\"\n                        class=\"fl-accordion-button fl-flex fl-flex-auto fl-justify-between\"\n                        type=\"button\"\n                    >\n                        Information Overviews\n                        <span aria-hidden=\"true\">\n                            <i\n                                class=\"fa fa-angle-down small\"\n                                aria-hidden=\"true\"\n                            ><\/i>\n                        <\/span>\n                    <\/button>\n                <\/h2>\n                <div\n                    class=\"fl-accordion-content\"\n                    data-testid=\"fl-accordion-content\"\n                    id=\"content-1-category-overview\"\n                >\n                    <ul class=\"fl-no-margin fl-list\">\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-repayment-plan-and-confirmation-hearing.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>The Repayment Plan and Confirmation Hearing<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/filing-for-chapter-13.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>Information for Filing Chapter 13<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/debts-that-remain-after-a-chapter-13-discharge.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>Debts After a Discharge<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n            <\/div>\n                    <div\n               class=\"fl-accordion-item fl-category-overview-item\"\n               id=\"section-2-category-overview\"\n               aria-labelledby=\"button-2-category-overview\"\n               data-testid=\"fl-accordion-item\"\n            >\n                <h2\n                    class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                    data-testid=\"fl-accordion-header\"\n                >\n                    <button\n                        id=\"button-2-category-overview\"\n                        aria-label=\"Category 1 content\"\n                        aria-expanded=\"false\"\n                        aria-controls=\"section-2-category-overview\"\n                        class=\"fl-accordion-button fl-flex fl-flex-auto fl-justify-between\"\n                        type=\"button\"\n                    >\n                        Chapter 13: Need To Know\n                        <span aria-hidden=\"true\">\n                            <i\n                                class=\"fa fa-angle-down small\"\n                                aria-hidden=\"true\"\n                            ><\/i>\n                        <\/span>\n                    <\/button>\n                <\/h2>\n                <div\n                    class=\"fl-accordion-content\"\n                    data-testid=\"fl-accordion-content\"\n                    id=\"content-2-category-overview\"\n                >\n                    <ul class=\"fl-no-margin fl-list\">\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a\n                                    href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-bankruptcy-law-checklist.html\"\n                                                                        class=\"fl-list-item-link\"\n                                >\n                                    <span>Checklist for Chapter 13 Filers<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a href=\"https:\/\/corporate.findlaw.com\/finance\/chapter-7-faq-amp-chapter-13-faq.html\" class=\"fl-list-item-link\" target=\"_blank\" rel=\"noopener\">\n                                    <span>Chapter 13 Bankruptcy Rules FAQ<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                                <li class=\"fl-list-control-list-item fl-flex\">\n                            <div class=\"fl-list-control-container\">\n                                <i\n                                    class=\"fa fa-angle-right small\"\n                                    aria-hidden=\"true\"\n                                ><\/i>\n                            <\/div>\n                            <div class=\"fl-list-control-text\">\n                                <a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13.html\" class=\"fl-list-item-link\">\n                                    <span>Chapter 13: How It Works<\/span>\n                                <\/a>\n                            <\/div>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n            <\/div>\n            <\/div>\n<\/div>\n\n\n\n<section class=\"fl-faq\">\n    <div\n            class=\"fl-accordion fl-faq-container fl-container\"\n            id=\"faq\"\n            data-testid=\"fl-accordion\"\n    >\n        <div class=\"fl-faq-heading-row fl-flex\">\n            <ul\n                    class=\"fl-faq-buttons fl-flex fl-flex-row fl-items-center fl-no-spacing\"\n                    aria-label=\"View all Frequently Asked Questions\"\n            >\n                <li class=\"fl-faq-buttons-item\">\n                    <button\n                            id=\"button-show-faq\"\n                            data-testid=\"button-show-faq\"\n                            class=\"fl-accordion-filter-button fl-accordion-filter-button-show\"\n                            type=\"button\"\n                            data-focus-other-button=\"true\"\n                            aria-current=\"true\"\n                            aria-disabled=\"true\"\n                            disabled=\"\"\n                    >\n                        Show All\n                    <\/button>\n                <\/li>\n                <li><span aria-hidden=\"true\">|<\/span><\/li>\n                <li class=\"fl-faq-buttons-item\">\n                    <button\n                            id=\"button-hide-faq\"\n                            data-testid=\"button-hide-faq\"\n                            class=\"fl-accordion-filter-button fl-accordion-filter-button-hide\"\n                            type=\"button\"\n                            data-focus-other-button=\"true\"\n                            aria-current=\"true\"\n                            aria-disabled=\"true\"\n                            disabled=\"\"\n                    >\n                        Hide All\n                    <\/button>\n                <\/li>\n            <\/ul>\n        <\/div>\n        <div class=\"fl-faq-questions\">\n            <h3\n                    class=\"fl-faq-title fl-no-margin\"\n                    data-testid=\"fl-faq-title\"\n            >\n                Learn About Repayment Plans\n            <\/h3>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-1-faq\"\n                        aria-labelledby=\"button-1-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-1\"\n                    >\n                        <button\n                                id=\"button-1-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-1-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            The Repayment Plan and Confirmation Hearing\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-1\"\n                            id=\"content-1-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-1-faq\"\n                    >\n                        <p>An overview of Chapter 13 repayment plans, including how they\u2019re formulated, the approval process, and how \u201csecured\u201d and \u201cunsecured\u201d creditors are typically treated under the plans. In addition, find out what goes on at the <a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-repayment-plan-and-confirmation-hearing.html\">confirmation hearing<\/a>.<\/p>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-2-faq\"\n                        aria-labelledby=\"button-2-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-2\"\n                    >\n                        <button\n                                id=\"button-2-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-2-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            Information for Filing Chapter 13\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-2\"\n                            id=\"content-2-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-2-faq\"\n                    >\n                        <p>A guide to a debtor\u2019s obligations in Chapter 13 bankruptcy. Learn about what debtors must do to <a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/filing-for-chapter-13.html\">successfully file<\/a>, including how to complete the necessary forms, filing fees, and repayment plan.<\/p>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-3-faq\"\n                        aria-labelledby=\"button-3-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-3\"\n                    >\n                        <button\n                                id=\"button-3-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-3-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            Debts After a Discharge\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-3\"\n                            id=\"content-3-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-3-faq\"\n                    >\n                        <p>While most <a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/debts-that-remain-after-a-chapter-13-discharge.html\">debts are discharged<\/a> in a Chapter 13 bankruptcy, there are certain exceptions. Learn about the types of debts that are not discharged, including alimony, child support, and student loan debts.<\/p>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-4-faq\"\n                        aria-labelledby=\"button-4-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-4\"\n                    >\n                        <button\n                                id=\"button-4-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-4-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            Checklist for Chapter 13 Filers\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-4\"\n                            id=\"content-4-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-4-faq\"\n                    >\n                        <p>A helpful <a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-bankruptcy-law-checklist.html\">checklist of tasks<\/a> you\u2019ll need to complete in order to successfully file a Chapter 13 bankruptcy. This article offers brief descriptions of crucial steps in the bankruptcy, including the filing, meeting with creditors, and more.<\/p>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-5-faq\"\n                        aria-labelledby=\"button-5-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-5\"\n                    >\n                        <button\n                                id=\"button-5-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-5-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            Chapter 13: How It Works\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-5\"\n                            id=\"content-5-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-5-faq\"\n                    >\n                        <p>A <a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13.html\">step-by-step guide<\/a> to the Chapter 13 process. Learn about what steps to take and when to take them, including filing the bankruptcy petition, paying administrative fees, meeting with creditors, and attending a repayment plan hearing.<\/p>\n\n                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>Confirmed Chapter 13 repayment plans help debtors stabilize their finances, pay off their debts, and can help improve their credit.\u00a0This section explains how\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/repayment-plan.html\" rel=\"noopener noreferrer nofollow\">Chapter 13 repayment plans<\/a>\u00a0work, the important differences between\u00a0secured and unsecured debts, and what debtors should do to file for a Chapter 13.<\/p>\n<h2><strong data-redactor-tag=\"strong\">Repayment Plan and Confirmation Hearing<\/strong><\/h2>\n<p>After filing a Chapter 13 bankruptcy,\u00a0a repayment plan based on debtor&#8217;s monthly income and expenses is created. The debtor files the proposed payment plan within 14 days of the bankruptcy petition, unless the court grants an extension. The\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/what-is-a-trustee-in-bankruptcy-.html\" rel=\"noopener noreferrer nofollow\">bankruptcy trustee<\/a>\u00a0reviews the plan. Creditors may object to the plan if they believe it&#8217;s unfair.\u00a0A judge in bankruptcy court\u00a0will decide\u00a0whether to confirm it. Plan payments usually begin within 30 days after filing the petition or plan,\u00a0which can be before\u00a0the judge confirms the it.<\/p>\n<p>At the confirmation hearing, the judge determines whether the plan is feasible and meets the standards set out by the\u00a0<a href=\"https:\/\/codes.findlaw.com\/us\/title-11-bankruptcy\/\" rel=\"noopener noreferrer nofollow\" target=\"_blank\">Bankruptcy Code<\/a>. This\u00a0includes proposed\u00a0good faith, the\u00a0best interests of creditors, proper treatment of priority and secured claims, and in some cases, the projected disposable income test. Creditors can file objections at the hearing. If the judge confirms the plan, the trustee distributes funds under the plan as soon as is practical.\u00a0<\/p>\n<p>If the court does not confirm the plan, the debtor still has options. They can\u00a0modify the plan, convert the bankruptcy to a\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7.html\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Chapter 7 case<\/a>, or have their\u00a0funds\u00a0returned\u00a0after permitted deductions.<\/p>\n<h2>How a Repayment Plan Works<\/h2>\n<p>In a Chapter 13 plan,\u00a0the bankruptcy trustee classifies creditor&#8217;s claims according to the bankruptcy code. Priority debts get paid first. Unsecured debts may get discharged at the end of the payment period. In general, monthly payment plans get structured so that the debtor pays:<\/p>\n<ul>\n<li>Priority claims, such as child support and alimony payments and tax debts<\/li>\n<li><a href=\"https:\/\/corporate.findlaw.com\/finance\/bankruptcy-and-the-secured-creditor.html\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Secured claims<\/a>, subject to automatic stay, receive payments next<\/li>\n<li>Unsecured claims such as medical bills and some credit card debt can get discharged at the end of the payment period<\/li>\n<\/ul>\n<p>If a debtor wants to keep the collateral holding a secured debt, the plan payment must equal the value of the collateral. To keep collateral, a debtor may cure arrears and maintain payments,\u00a0or pay the allowed secured amount with interest as permitted by the Code.\u00a0<\/p>\n<p>When\u00a0a debtor completes the plan and cures defaults while maintaining ongoing payments, the creditor cannot foreclose based on the cured pre\u2011bankruptcy arrears. The creditor may seek stay relief during the case or enforce remedies after the case if a debtor falls behind after filing.<\/p>\n<p>In a Chapter 13 bankruptcy, the payment plan lasts for between\u00a0three and\u00a0five years. During that time, the debtor must continue to meet other regularly scheduled monthly payments. For example:<\/p>\n<ul>\n<li>The automatic stay does not affect\u00a0<a href=\"https:\/\/www.findlaw.com\/family\/child-support\/child-support-and-bankruptcy.html\" rel=\"noopener noreferrer nofollow\">child support or alimony<\/a>\u00a0payments. A bankruptcy filing will not stop any action for child support arrears or wage garnishment.<\/li>\n<li>Debtors who want to keep their homes must continue to make mortgage payments during the plan. If they default, they may have to surrender the property.<\/li>\n<\/ul>\n<p>Unsecured creditors must receive at least as much value under the repayment plan as they would under a Chapter 7 bankruptcy.<\/p>\n<h2><strong data-redactor-tag=\"strong\">Debts After Discharge<\/strong><\/h2>\n<p>The Chapter 13 payment period\u00a0may end earlier if all allowed claims and required amounts are paid. If all requirements are met, the court will discharge all remaining debts according to the federal bankruptcy laws at the end of the payment plan period. Debts that are eligible for discharge in all bankruptcies include:<\/p>\n<ul>\n<li>Unsecured debts\u00a0such as medical bills, personal loans, and most credit card bills<\/li>\n<li>Tax debt, depending on multiple factors like when the return was filed, assessments, and fraud<\/li>\n<li>Some lawsuit judgments, depending on their basis<\/li>\n<\/ul>\n<p>In a Chapter 13 bankruptcy case, some\u00a0additional debts are dischargeable that are not eligible\u00a0in a Chapter 7:<\/p>\n<ul>\n<li>Legal judgments for willful destruction of property<\/li>\n<li>Divorce property settlements other than child support or alimony arrears<\/li>\n<li>Debt acquired to pay non-dischargeable taxes<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/pros-and-cons-of-declaring-bankruptcy-under-chapter-13.html\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Not all debts get discharged<\/a>\u00a0in a Chapter 13 bankruptcy proceeding. Claims for child support and alimony, student loans, criminal fines, mortgages and car loans, and any debts not provided for in a wage-earner plan may not be dischargeable.<\/p>\n<p>Although spousal and child support obligations do not get discharged, filing a Chapter 13 bankruptcy may\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/the-automatic-stay-stopping-creditors-with-bankruptcy.html%2560%2560\" rel=\"noopener noreferrer nofollow\">stay collection activities<\/a>\u00a0for back child support or alimony. These domestic support obligations are not dischargeable, and certain collection actions are excepted from the stay. To receive a Chapter 13 discharge, debtors must certify they are current on all post-petition domestic support obligations.<\/p>\n<p><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/your-options-when-you-can-t-repay-student-loans.html\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Student loans guaranteed by the United States government<\/a>\u00a0are also generally not dischargeable in Chapter 13 bankruptcy absent a court finding of undue hardship. This is determined\u00a0under the three-part Brunner test\u00a0or a totality-of-circumstances standard in some circuits. A\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/the-chapter-13-debt-discharge.html\" rel=\"noopener noreferrer nofollow\">hardship discharge<\/a>\u00a0of student loans in a Chapter 13 bankruptcy is limited and takes place through an adversary proceeding.<\/p>\n<h2>Get Professional Legal Help With Your Repayment Plan<\/h2>\n<p>Filing for bankruptcy is a serious endeavor that shouldn&#8217;t be taken lightly. If all goes as planned, you&#8217;ll get a fresh start to rebuild your credit and regain financial health. One of the best ways to ensure a successful bankruptcy, including a workable repayment plan, is to hire an experienced\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/bankruptcy-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">bankruptcy attorney<\/a>.<\/p>\n\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 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for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    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A Chapter 13<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":286914,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/OverviewPageController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2727],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-286926","page","type-page","status-publish","hentry","category-bankruptcy"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286926","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=286926"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286926\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286914"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=286926"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=286926"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=286926"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=286926"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=286926"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}