Forest View Bankruptcy Attorney Tells Of Debts Discharged In Chapter...

A Chapter 13 discharge will basically take care of all of your debt that was listed in your bankruptcy case, so states Forest View bankruptcy attorney.  For example, if you had a debt owed to child support, you will have completed your plan payment and receive a discharge once you have paid back all of the child support that was part of your bankruptcy case.  The person that you owe child support to or the organization that you owe child support to will file what’s known as a proof of claim in your bankruptcy case.  The proof of claim is a document which states what you owe that creditor and the creditor will itemize that with proof attached.  Once you complete your payment plan through the Chapter 13 trustee and the debt is paid in full, you will receive a discharge on that debt.  

You can also discharge other non-dischargeable debt which could be parking tickets, alimony, maintenance, tax debt, student loans and other types of debts.  Now, there are other circumstances where you do not want to pay back 100% of your debt and you do not wish to receive a discharge.  You will not receive a discharge if you have filed a Chapter 13 and completed that case within two years or if you filed a Chapter 7 and received the discharge within four years of filing Chapter 13 bankruptcy case.  However, if you are repaying your creditors 100% through a Chapter 13 trustee, then you effectively do not need a discharge because you have paid off all of your debt. 

The Chapter 13 discharge should be kept in a safe place for future reference so that if any creditor tries to contact you or collect on a debt that was included in your Chapter 13, you can simply forward them a copy of the discharge and get them to obey the discharge injunction.