Source: https://debtdoc.com/item/32-debts-that-remain-after-a-chapter-13-discharge.html
Timestamp: 2019-04-22 18:10:17+00:00

Document:
A Chapter 13 discharge affects only those debts provided for by the plan. Any debts not provided for in the plan will remain, and the debtor will have to pay them in full, even after discharge. Additional exceptions to a Chapter 13 discharge include, generally, claims for spousal and child support; educational loans; drunk driving liabilities; criminal fines and restitution obligations; and certain long-term obligations, such as home mortgages, that extend beyond the term of the plan. A lawyer at DebtDoc in San Diego, CA, can explain which debts are "erased" as a result of a Chapter 13 discharge and which will remain the obligation of the debtor.
Taxes more than three years old are not dischargeable if a return was never filed, the return was filed within two years of filing bankruptcy or they arose in connection with a fraudulent return or willful attempt to evade taxes. 11 U.S.C. § 523(a)(1). Also nondischargeable are debts incurred to pay a state or local tax that otherwise would have been nondischargeable. 11 U.S.C. § 523(a)(14).
Obligations obtained by false pretenses, a false representation, actual fraud or the intentional provision of false or incomplete financial information respecting the debtor or an insider on which the creditor relied are nondischargeable. 11 U.S.C. § 523(a)(2).
Unscheduled debts, or debts not disclosed in the debtor's petition, are nondischargeable unless the creditor had actual or constructive knowledge of the debtor's bankruptcy. 11 U.S.C. § 523(a)(3).
Domestic support obligations and obligations owed to a spouse, former spouse or child as a result of divorce or separation are nondischargeable. 11 U.S.C. § 523(a)(4) and (a)(15). The term "domestic support obligation" means a debt owed to or recoverable by a spouse, former spouse or child of the debtor in the nature of alimony, maintenance or support pursuant to a separation agreement, divorce decree or property settlement agreement. 11 U.S.C. § 101(14A).
Educational loans guaranteed by the United States government are generally not discharged by a Chapter 7 or Chapter 13 bankruptcy. They may be dischargeable, however, if the court finds that paying off the loan will impose an undue hardship on the debtor and his or her dependents. 11 U.S.C. §(a)(8). In order to qualify for a hardship discharge, the debtor must demonstrate that he or she cannot make payments at the time the bankruptcy is filed and will not be able to make payments in the future. The debtor must apply before the discharge of the debtor's other debts is granted. Application for a hardship discharge is not included in the standard bankruptcy fees, and must be paid for after the case is filed.
It is tempting to believe that a Chapter 13 discharge will leave the debtor completely debt free, but that is not the case. Certain debts remain even after bankruptcy. An experienced bankruptcy attorney at DebtDoc in San Diego, San Diego, can explain the differences between dischargeable and non-dischargeable debts and paint a realistic picture of your post-bankruptcy financial situation.
Copyright © 2019 Chris Bush, Attorney at Law.

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