Does a Chapter 13 bankruptcy discharge eliminate all debts?

A Chapter 13 bankruptcy discharges only those debts provided for by the plan. Any outstanding debt that is not in the plan will not be discharged. In addition, a Chapter 13 discharge does not affect outstanding debts or domestic support obligations; educational loans; drunk driving liabilities; civil restitution or damages for willful or malicious acts causing personal injury and debt; criminal fines and restitution obligations; and certain other long-term obligations that extend beyond the term of the plan, such as home mortgages; withholding taxes; un-filed or late-filed tax returns; fraudulent or willful evasion of taxes; debts incurred by fraud P.C. also refer their clients with a financial advisor who will advise them not only on their impending bankruptcy proceeding, but on how to handle their finances in the future so they will not find themselves in a similar situation again.

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