Chapter 13 Bankruptcy
Chapter 13 Bankruptcy is also called Adjustment of Debt or “Repayment” Bankruptcy.
The purpose of a Chapter 13 Bankruptcy is to eliminate most debts. There are some debts that are not eliminated by the filing of a Chapter 13 Bankruptcy, including debts incurred for educational purposes (including student loans, but also some other school related costs), fraud, and fines and court fees (traffic tickets and criminal fines). Other debts, including Child Support, Spousal Support, and most taxes, can be repaid, but not Discharged, through the Chapter 13.
The debts that are dischargeable in Chapter 13 Bankruptcy are much wider. Most credit cards, medical bills, attorney fees, most lawsuits (as long as the suit is not for one of the non-dischargeable debts), most taxes, cars, house mortgage loans, deficiency balances on mortgages or cars, etc. In addition, the Chapter 13 can be used to cure defaults (delinquencies) in car, house or other loans, taxes, child and spousal support arrearages, and some other debts.
If we can help you with a Chapter 13 Bankruptcy, please contact us.
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Krumbein Consumer Legal Services, Inc.
1650 Willow Lawn Drive
Richmond, VA 23230