Debtor chapter 13 2025

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The document is a court order from the United States Bankruptcy Court granting a 'hardship discharge' to a debtor under Chapter 13 of the Bankruptcy Code. This discharge allows the debtor to be relieved of certain debts without completing all payments under their repayment plan due to hardship. It outlines the prohibition against creditors attempting to collect discharged debts and specifies types of debts that are not discharged, such as domestic support obligations and most student loans. The document emphasizes the importance of consulting an attorney for specific legal advice regarding the discharge.

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Do you repay all debt in Chapter 13?

A chapter 13 bankruptcy is also called a wage earners plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years.

What is a debtor refund in Chapter 13?

Funds received after the date of an Order of Dismissal or an Order of Conversion in a confirmed case and after the Trustee has closed the case will be disbursed directly to the debtor(s). These refunds will be generated once per month, near the end of the month, prior to the regular disbursement cycle.

Who may be a Chapter 13 debtor?

Chapter 13 Eligibility Any individual, even if self-employed or operating an unincorporated business, is eligible for chapter 13 relief as long as the individuals combined total secured and unsecured debts are less than $2,750,000 as of the date of filing for bankruptcy relief. 11 U.S.C. 109(e).

What debts are not dischargeable in Chapter 13?

The most common types of nondischargeable debts are certain types of tax claims, debts not set forth by the debtor on the lists and schedules the debtor must file with the court, debts for spousal or child support or alimony, debts for willful and malicious injuries to person or property, debts to governmental units

Does Chapter 13 wipe out all debt?

However, each of your creditors must file a proof of claim (described below) within a certain time to prove how much you owe. If a creditor fails to do so, then the bankruptcy trustee will not make any payments to that creditor.