Additional exemptions are available and the amounts of these exemptions may change from time to time. A discharge in Chapter 7 will not affect some of your debts such as alimony, child support, certain taxes, fines, certain debts arising from educational loans, and debts you fail to disclose properly to the bankruptcy court. At the request of a creditor, the bankruptcy judge may also exclude from your discharge debts resulting from loans you received by giving a lender a false financial statement as well as debts arising from fraud, embezzlement, drunken driving, larceny or certain other willful or malicious acts. Normally, in Chapter 13, you keep all or most of your property and propose a plan to repay all or some of your debts over time. Certain debts not dischargeable in Chapter 7, such as those based on fraud, may be discharged if you successfully complete your Chapter 13 plan.
Different people have different experiences obtaining credit after they file a bankruptcy case.
Some find it more difficult. Others find it easier because they have relieved themselves of their prior debts or because their creditors know they cannot file another bankruptcy case for a period of time. Some people may discover that obtaining future credit is easier if they file a Chapter 13 and repay some of their debts than if they file a Chapter 7 and make no effort to repay. The bankruptcy laws prohibit your employer from discharging or discriminating against you solely because you have filed a bankruptcy case. The answer depends on many factors.