Can Chapter 13 bankruptcy discharge or eliminate all my debts?
No. The following are considered unsecured non-priority non-dischargeable debts under Chapter 13: • Student loans (absent a rare exception) • Fines, penalties & restitution imposed by a Court or other governmental entity which include certain federal, state, and local taxes, restitution, fines, penalties (absent a hardship showing) • Judgments for personal injuries or death resulting from drunk driving convictions (absent a hardship showing) • Debts not dischargeable in a previous bankruptcy because of fraud • Debts not listed or omitted from the petition can remain in force after discharge. Although you will include them in your plan, the balance remaining upon completion of your plan cannot be discharged.
