What to Do About Child Support If an Ex-Husband Files for Chapter 13 Bankruptcy

By Heather Frances J.D.

Chapter 13 bankruptcy provides a way for debtors to get a fresh start financially by allowing them to pay off debts under a three- to five-year repayment plan. At the end of the repayment period, eligible debts not fully paid can be erased, or discharged, by the bankruptcy court’s order. But, not all debts are dischargeable in bankruptcy, including child support.

No Action Needed

Child support and other domestic support obligations are not eligible for discharge under Chapter 13, so you don’t have to do anything differently when your ex-spouse files for Chapter 13 bankruptcy. The law takes care of the situation for you -- you are not required to file any notices with the court or intervene in the Chapter 13 case. If your ex-spouse fails to tell the court about his child support obligations, you can notify his court-appointed bankruptcy trustee about the child support situation, though this is not required.

Past-Due Support

If your ex-spouse owes past-due child support, he can pay off the arrears as part of his Chapter 13 repayment plan. The plan must provide for the total amount due in back child support to be paid in full over the life of the plan. At the time of the confirmation hearing, when the bankruptcy court approves the terms of the repayment plan, your ex-spouse must be current on child support payments that became due after he filed for Chapter 13 bankruptcy or his plan will not be approved.

Get a free, confidential bankruptcy evaluation. Learn More


Your ex-spouse must keep his child support current during the bankruptcy repayment period or the court may dismiss his case entirely. You should expect to receive your child support payments without a glitch. In order to receive the discharge of his other debts at the end of his repayment plan, your ex-spouse must certify to the court that he does not owe any past due child support and his payments are current.

Modifications During Chapter 13

Since your circumstances may change during your ex-spouse’s Chapter 13 case, you may find it necessary to file for a child support modification during his repayment period. Under changes made to the bankruptcy laws in 2005, state-level family courts may conduct many types of child support hearings, even while one ex-spouse is involved in a Chapter 13 repayment plan. Unlike many other types of debts, most of the typical protections of a bankruptcy case do not apply to child support.

Get a free, confidential bankruptcy evaluation. Learn More
How to File Bankruptcy With Unsecured Debt


Related articles

What Does a Discharge in a Chapter 13 Bankruptcy Mean to Debtors?

Bankruptcy allows a debtor to obtain relief from his creditors if he meets certain legal requirements. Chapter 7 bankruptcy is a liquidation of assets, while Chapter 13 bankruptcy involves repayment of some, or all, of the debt owed. If a debtor’s income is above the state median income and he has enough disposable income to repay his debt, Chapter 7 is not an option. In both types of bankruptcy, there eventually is a discharge of debt.

Bankruptcy & Child Support Arrears in New Jersey

Bankruptcy can help you get a fresh start financially by eliminating many of your debts or giving you a chance to catch up on debt payments. Filing bankruptcy in New Jersey does not eliminate child support arrearages, but it may allow you to stop making payments on your arrearages for a while.

Schedule F Bankruptcy Discharge

Bankruptcy means a fresh start – a court order protects you from collections and lawsuits, and eventually, the court discharges (cancels) some of your debts. You must report your assets and liabilities, and you will be required to sell your non-exempt property to repay creditors (in Chapter 7) or set up a repayment schedule (in Chapter 13). As your bankruptcy case begins, you'll complete a Schedule F, and it's vital to know the difference between a secured and unsecured debt when preparing this form.

Related articles

Laws on Debt Forgiveness Through Chapter 13

When debt piles up, individual debtors may need the structure of a bankruptcy case to get back on their feet again. If ...

Provisions of Chapter 13 of the Federal Bankruptcy Laws

Chapter 13 bankruptcy is a form of personal bankruptcy that allows an individual’s debt to be adjusted if he has a ...

Can Someone in Chapter 13 Bankruptcy Get a Passport?

Debtors file for chapter 13 bankruptcy to obtain a fresh financial start by reorganizing and repaying their debts. ...

How to File Chapter 13 Bankruptcy to Clear Child Support

Filing a bankruptcy case can help you get back on your feet financially by discharging certain debts so you no longer ...

Browse by category
Ready to Begin? GET STARTED