Can I File a Chapter 13 Bankruptcy if I Am Not Eligible for a Discharge?

A Chapter 13 bankruptcy filing can still be useful even if you are not eligible for a discharge of the unpaid balance of debt remaining at the end of the Chapter 13 payment plan due to a prior bankruptcy filing in order to force creditors into a Federal court-enforced payment plan at 0% interest. This is particularly useful when it comes to student loan and other non-dischargeable debt.

Click here to read more about filing Chapter 13 bankruptcy even if not eligible for discharge on the new Michigan Bankruptcy Blog of Michigan Bankruptcy Attorneys The Hilla Law Firm, PLLC.

If you are a southeast Michigan resident interested in filing for bankruptcy, please feel free to contact us at (866) 674-2317 or john@hillalaw.com to schedule a free, initial consultation.

One response to “Can I File a Chapter 13 Bankruptcy if I Am Not Eligible for a Discharge?

  1. John, you raise a great point that unfortunately many Debtors simply do not realize their rights under Title XI. Many people especially those who do their own legal research using Google, believe that if they get a discharge in Chapter 7, they can’t file a Chapter 13 to strip or cure arrears even if it were a year or two down the road from their discharge.

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