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Can Bankruptcy Discharge (Wipe Out) Alimony or Child Support?

In a word, no. Debts defined in the bankruptcy code as "Domestic Support Obligations" or DSOs, are automatically non-dischargeable in both a chapter 7 and a chapter 13. If you have an arrearage of either or both, you have to pay it.

This does not mean that bankruptcy cannot help you if you are behind in payments on a DSO. A chapter 13 filing can get you into a plan to repay the arrearage over anywhere from three to five years. This prevents your (ex)spouse from bringing any nastiness to bear to collect, while allowing you the breathing room you need to get caught up.

If you live in Southern New Jersey and are behind on alimony and/or child support payments, bankruptcy may well be able to help you. Call my office at 856-432-4113 or contact me through this site to schedule an appointment to discuss your case.

Looking for more information about how bankruptcy might help your divorce? Download my free book, Top Questions Divorcing Couples Ask About NJ Bankruptcy.

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Steven J. Richardson
Bankruptcy, Collections, Student Loan, DUI and Traffic Court attorney in Woodbury, NJ.