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Does Chapter 13 wipe out all debt?

The average person goes through one of two types of bankruptcy: Chapter 7 or Chapter 13. While Chapter 7 eliminates all your debt, Chapter 13 is a repayment plan. Once you file, youll work with a trustee to come up with a court-approved payment plan.

Can you pay off Chapter 13 early in NC?

Short answer: Yes, you can pay off a Chapter 13 bankruptcy early but it may cause you to pay more than you are otherwise required to do so.

How is the payment plan calculated for a Chapter 13?

To complete a Chapter 13 bankruptcy, you need to make monthly payments for either three or five years. Whether you pay for three years or five years depends on your income. If your income is less than the state median, you pay for three years. If your income is more than the state median, you pay for five years.

How is Chapter 13 payment determined?

The court will base your disposable income on your income and expense schedules: Schedule I lists your monthly income from all sources, and Schedule J lists your monthly expenses. The difference between your income on Schedule I and your expenses on Schedule J will be your Chapter 13 plan payment.

What is the debt limit for Chapter 13?

In order to be eligible to file for Chapter 13 Bankruptcy, the filing individual(s) must owe less than $1,184,200 in liquidated, noncontingent secured debts, and less than $394,725 in liquidated, noncontingent unsecured debts. 11 U.S.C. 109(e).

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