Are Child and Spousal Support Debts Discharged in Chapter 13 Bankruptcy?

There are some types of debt that cannot be discharged in a Chapter 7 bankruptcy “fresh start.” Most commonly, these debts are spousal support, child support, student loans and tax debt. For those that owe large sums for back child support, spousal support, or student loans, Chapter 13 bankruptcy process may be the best choice when filing for bankruptcy in Phoenix, Arizona,

Chapter 13 bankruptcy does not eliminate these debts. It provides a way to get caught up and to repay the debts in full. An experienced bankruptcy law firm AZ can help you determine if Chapter 13 bankruptcy is the right filing for your situation, and it is important to consult with a bankruptcy attorney, such as The Frutkin Law Firm, PLC, in Phoenix, AZ, before you make any bankruptcy filing decision.



For the debts that cannot be discharged in bankruptcy, such as spousal support, child support, student loans, or taxes, Chapter 13 bankruptcy protection will stop any harassment or garnishment and provide time to restructure the debt and complete a repayment plan. A Chapter 13 bankruptcy filing allows the debtor time to restructure the debts and repay them in full.