Chapter 13 bankruptcies only eliminate debts listed in the original plan; additional debts will not be eliminated. Chapter 13 bankruptcies also not affect the following:
- Student loans
- Debts arising from an OWI conviction
- Court fees, fines, penalties, or restitution
- Child or spousal support
Long-term debts covering a period beyond the end of the term are not affected. These can include mortgages, debts incurred by fraud, and tax-related debt such as delinquent taxes or penalties for tax evasion.