Typically a Chapter 13 Bankruptcy discharges all debts included in the Chapter 13 Bankruptcy plan (unless the plan says otherwise).  However, under certain circumstances the following exceptions to discharge may apply:

  • Domestic support obligations (spousal maintenance, child support)
  • Long-term secured debts
  • Tax debts
  • Debts incurred through false pretenses or fraud, if the court deems them as such
  • Debts not listed in the bankruptcy if the creditor had no actual notice of the case and was prejudiced by not having notice
  • Debts for fraud as a fiduciary, if the court deems them as such
  • Most unpaid student loan obligations
  • Certain drunk driving debts
  • Certain criminal fines and restitution
  • Debts for damages or restitution ordered in a civil action as a result of willful or malicious injury by the debtor that caused personal injury or death