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got a good question here someone files Chapter 13 Bankruptcy all of their debts are unsecured if those debts were lets say credit cards medical bills personal loans and those creditors set on their rights didnt file the timely proof of claim then those debts would be discharged at the conclusion or at the end of the bankruptcy case in the bankruptcy case is going to be open pretty fast because theres no one to pay except for court costs and probably the attorneys fees