Debts That May Not Be Discharged in Chapter 13

If you are struggling with debt, you may have questions about what types of debt can and cannot be discharged through Chapter 13 bankruptcy. The experienced attorneys at Ledford, Wu & Borges, LLC can help you explore all of your debt relief options, answer your questions and guide you through all stages of the process. We are focused on making your debt relief goals a reality.

These Debts May or May Not Be Discharged

Chapter 13 bankruptcy is also know as the "wage earners plan", because it reorganized debt into a payment plan that lasts from three to five years. Depending on your circumstances, certain debts can be eliminated throughout Chapter 13, including second mortgages and junior liens.

While some debts such as child support and alimony cannot be discharged, Chapter 13 bankruptcy can help you reorganize them so that you are able to pay arrears off over time and keep current on payments going forward.

Student loans can only be discharged under rare circumstances, but again, Chapter 13 can help make the payments more manageable.

Every debt situation is unique. If you have questions about what debts can be discharged through bankruptcy, our lawyers can evaluate your situation fully to let you know where you stand. We will answer your questions and guide you through all stages of the process.

Contact Ledford, Wu & Borges, LLC

Contact our offices online or call 312-574-3327 to speak with an experienced Illinois Chapter 13 bankruptcy lawyer. We are ready to help.

Ledford, Wu & Borges, LLC has offices in Downtown Chicago, South Side Chicago, North Riverside/Berwyn, Northwest Side and Schaumburg.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.