Debts That Cannot be Discharged in Chapter 13

At Billbusters, Ledford, Wu & Borges, LLC, we represent clients from Chicago, Illinois, and throughout the surrounding suburbs. If you are struggling with debt and have questions about what can and cannot be discharged in Chapter 13 bankruptcy, we are here to help. Our knowledgeable attorneys can help you understand your rights and guide you through all stages of the bankruptcy process.

What Cannot Be Discharged?

Chapter 13 bankruptcy is also known as the "wage earners plan", because it gives people with a steady income the ability to pay down their debts over a three to five year period. Some debts, such as second mortgages, can be eliminated in Chapter 13. Other debts, however, cannot be eliminated under any circumstances and must either be paid in full or they will survive the bankruptcy:

  • Tax debts less than three years old
  • Certain governmental fines (DUI fines, etc.)
  • Child support payments
  • Spousal support (alimony)
  • Guardian ad Litem fees
  • Debt incurred due to fraud

This is not to say Chapter 13 bankruptcy cannot be beneficial if you are struggling with any of these types of debt. For many people, Chapter 13 is a way to get their debt situation under control, while stopping creditor actions such as foreclosure, garnishment and repossession. Our bankruptcy lawyers can help you explore all of the debt relief options available to you, so you can put your debt problems behind you for good.

Contact Billbusters, Ledford, Wu & Borges, LLC Today

Contact our offices online or call 312-651-4200 to speak with an experienced Chicago bankruptcy lawyer. We are ready to help.

Billbusters, Ledford, Wu & Borges, LLC has offices in Downtown Chicago, the South Side of Chicago, Homewood, North Riverside/Berwyn, the Northwest Side and the Southeast Side.