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cfortunato
cfortunato, Attorney
Category: Bankruptcy Law
Satisfied Customers: 8023
Experience:  Bankruptcy professor.
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My Ch 13 plan was recently confirmed. The IRS file a claim,

Resolved Question:

My Ch 13 plan was recently confirmed. The IRS file a claim, but it shows that none of it is secured or priority. When am I actually free from them ?
Submitted: 3 years ago.
Category: Bankruptcy Law
Expert:  cfortunato replied 3 years ago.

cfortunato :

Hi JACustomer,

cfortunato :

Since the IRS debt you referred to is not secured nor is it priority debt, the IRS will be treated the same as your other unsecured creditors.

cfortunato :

All of which from whom you will be "free" once your Chapter 13 plan is completed and you receive your discharge.

cfortunato :

That was an awkward sentence!

cfortunato :

In other words, you will be "free" from the IRS upon discharge.

Customer: replied 3 years ago.
your reply is blank
Expert:  cfortunato replied 3 years ago.

Since your IRS debt is unsecured and non-priority, the IRS will be treated the same as your other unsecured non-priority creditors, such as credit card companies.
This means you will be "free" from the IRS when you receive your discharge - upon completion of your Chapter 13 plan.

cfortunato and 3 other Bankruptcy Law Specialists are ready to help you
Customer: replied 3 years ago.
What happens if I convert to a Ch 7 ?
Customer: replied 3 years ago.
What happens if I convert to a Ch 7 ?
Expert:  cfortunato replied 3 years ago.
The answer would be the same. You would be rid of dischargeable IRS debt upon the discharge of your Chapter 7.
cfortunato and 3 other Bankruptcy Law Specialists are ready to help you

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