If you are considering filing a Chapter 13 bankruptcy, it is important to confer with a seasoned bankruptcy lawyer to determine if any of your debts are non-dischargeable. Although a Chapter 13 filing typically permits a debtor to eliminate a wider variety of debts than a Chapter 7 case, below are eleven types of debts that it will not discharge:
- Debts that are excluded from and not paid through your Chapter 13 repayment plan
- Debts incurred while the plan is effective that are not paid under the Chapter 13 plan
- Domestic support payments such as child support and alimony
- Certain taxes
- Debts resulting from personal injury or death caused by drunk driving
- Debts related to criminal charges or court-ordered restitution payments
- Debts resulting from acts of embezzlement, fraud or larceny
- Most student loan debt, unless the debtor can prove “undue hardship”
- Debts related to your willful or malicious conduct resulting in damages ordered by the court
- Long-term debts that are made in installments and the final payment does not become due until after the repayment plan has been concluded (such as mortgages)
- Certain debts you failed to list in your filing that are owed to creditors or creditors who did not receive proper notification of your bankruptcy filing
Bankruptcy can be confusing. Don’t assume that all of your debt will be eliminated in your filing. Schedule an appoint with one of our experienced Chapter 13 attorneys and learn how your individual debt will be handled in your case.
Contact the “Milwaukee Bankruptcy Attorneys,” DeLadurantey Law Office, LLC for all your Chapter 7 and Chapter 13 bankruptcy needs. Whether you need debt negotiations or debt relief, or even foreclosure defense, DeLadurantey Law Office will handle bankruptcy matters for the following locations – Milwaukee, South Milwaukee, West Milwaukee, Waukesha City, Waukesha Town, Kenosha, Racine, and all other municipalities in Milwaukee County, Waukesha County, Kenosha County, and Racine County. DeLadurantey Law Office, LLC can be contacted by phone at (414) 377-0518.