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Will Chapter 13 bankruptcy erase my obligation to pay joint divorce debts?

In some cases, YES . In October of 1994, Congress amended the Bankruptcy Code to provide, generally, that obligations arising out of a divorce or property settlement agreement are non-dischargeable. If your Chapter 13 Plan provides for payment in full of these obligations, then they will be discharged. However, if your Plan does not provide for payment in full, these obligations will not be discharged at the end of your Chapter 13 Plan and you will still have to pay them outside of Bankruptcy Court. While you are in Chapter 13, creditors will not be permitted to collect the joint debts either from you or from your former spouse directly.

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