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The closing dates apply only if you count on to discharge some personal debt, that means you won’t really have to repay it. You may file Chapter 13 more typically, but you can’t assume financial debt being discharged unless you've got waited the required time.

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Like other types of bankruptcy, Chapter thirteen will get its name in the segment on the U.S. Bankruptcy Code that describes it.

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A bankruptcy indicates check establishes When your disposable revenue is large sufficient to make partial payments to unsecured creditors. If you do not pass the usually means exam, you may still have the ability to file a Chapter thirteen bankruptcy.

Having said that, you might want to file Chapter 13 for non-discharge factors, like in search of a maintain on collections so you can get caught up on debts.

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You have to try this within 180 days of filing, Despite the fact that there are occasionally exceptions during emergencies or if there aren't adequate permitted agencies supplying the provider.