Chapter 13--The chapter of the Bankruptcy Code providing for adjustment of debts of individuals with regular income, often referred to as a "wage-earner" plan. Chapter 13 allows debtors to reorganize their finances, keep property, and use the disposable income to pay debts over time, usually three to five years.
discharge--A release of a debtor from personal liability for certain dischargeable debts. A discharge releases a debtor from personal liability for certain debts known as dischargeable debts and prevents the creditors owed those debts from taking any action against the debtor or the debtor's property to collect the debts. The discharge also prohibits creditors from communicating with the debtor regarding the debt, including through telephone calls, letters, and personal contact.
nondischargeable debt--A debt that cannot be eliminated in bankruptcy
U.S. Trustee--An officer of the U.S. Department of Justice responsible for supervising the administration of bankruptcy cases, estates, and trustees, monitoring plans and disclosure statements, and other statutory duties.
wage garnishment--A legal proceeding whereby a plaintiff or creditor seeks to subject to his or her claim the future wages of a debtor. In other words, the creditor seeks to have part of the debtor's future wages paid to the creditor for a debt owed to the creditor.