In a Chapter 13 bankruptcy, you agree to a repayment plan to pay back all or most of your debt. Once you finish carrying out the terms of your repayment plan, you can discharge many of the same types of unsecured debt as you can in a Chapter 7 case, including:
- Medical debt
- Credit cards
- Personal loans
- Obligations from leases, including past-due rent
- Most judgments from lawsuits
- Debts incurred due to willful or malicious damage to property
- Debt from a property settlement agreement in divorce or separation proceedings
- Outstanding debts from a previous bankruptcy that the court did not allow you to discharge
- Loans from retirement accounts
- Debt taken on to pay tax obligations that are non-dischargeable
- Homeowners association fees that were due after your filing date
