A “Chapter 13 bankruptcy discharge” is the court’s order that releases (discharges) certain debts after you complete the Chapter 13 repayment plan. Chapter 13 typically involves making monthly payments to a trustee for a period of about 3–5 years, based on your income and budget. After the plan is completed and the req
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What “bankruptcy discharge chapter 13” means
A “Chapter 13 bankruptcy discharge” is the court’s order that releases (discharges) certain debts after you complete the Chapter 13 repayment plan. Chapter 13 typically involves making monthly payments to a trustee for a period of about 3–5 years, based on your income and budget. After the plan is completed and the requirements are met, the discharge can eliminate many remaining balances on eligible debts.
Key points and limits
Not all debts are dischargeable in Chapter 13. Common examples that may not be fully discharged include certain tax debts, child support or alimony, most student loans (unless a specific hardship standard is met), and debts incurred through fraud or certain criminal acts. Also, the discharge generally applies to debts provided for in the plan, and it may be affected if you miss payments, fail to file required documents, or the court dismisses your case.
How to check your status
Your discharge is issued by the bankruptcy court after you complete the plan and satisfy legal requirements. You can confirm the discharge status by reviewing your case docket and discharge order, or by asking your bankruptcy attorney for the exact effect on your debts. If you’re considering Chapter 13, it’s important to understand which debts are likely to be discharged and which may survive.
