§ 157.2     BAPCPA Shrank the Discharge
Cite as:    Keith M. Lundin, Lundin On Chapter 13, § 157.2, at ¶ ____, LundinOnChapter13.com (last visited __________).
[1]

BAPCPA went after the “super” discharge in Chapter 13 with a machete. The same folks who loudly advocated “abuse” testing to force “debtors who can pay” out of Chapter 7 and into Chapter 13 quietly carved away the expanded discharge that attracted debtors into repayment plans under Chapter 13.

[2]

BAPCPA imposes new limitations on successive discharges in Chapter 13 cases.1 To be eligible for discharge in a Chapter 13 case, the debtor must file a new certificate with respect to the payment of domestic support obligations (DSOs)2 and a new certificate with respect to completion of an instructional course.3 There are new timing considerations for objections to dischargeability of debt in Chapter 13 cases because of new exceptions to discharge at completion of payments under a Chapter 13 plan.4 There is an incomprehensible new condition on discharge with respect to exemptions and debtor misconduct.5

[3]

BAPCPA added at least seven new exceptions to discharge at the completion of payments under § 1328(a),6 changed the content of one preexisting exception to discharge7and conceived for the first time a debt that is discharged but still collectible in a Chapter 13 case.8

[4]

Finally, BAPCPA added one new discharge injunction in § 524(i) that is sure to be one of the few provisions of BAPCPA that the consumer credit industry will live to regret.9


 

1  See 11 U.S.C. § 1328(f), discussed in § 543.1 [ New Limitations on Successive Discharges ] § 156.2  Limitations on Successive Discharges.

 

2  See 11 U.S.C. § 1328(a), discussed in § 545.1 [ New Domestic Support Obligation Certification ] § 156.4  Domestic Support Obligation Certification.

 

3  See 11 U.S.C. § 1328(g), discussed in § 546.1 [ Instructional Course Requirement ] § 156.5  Instructional Course Requirement.

 

4  See Interim Bankr. R. 4007(c), discussed in § 544.1 [ Time for Determining Dischargeability of Debt ] § 156.3  Time for Determining Dischargeability of Debt.

 

5  See 11 U.S.C. §  1328(h), discussed in § 547.1 [ Delay of Discharge: § 522(q)(1) and Pending Proceedings ] § 156.6  Delay of Discharge: § 522(q)(1) and Pending Proceedings.

 

6  See §§ 548.1 [ Taxes ] § 159.1  Taxes555.1 [ Boating or Flying while Intoxicated: § 523(a)(9) ] § 159.8  Boating or Flying while Intoxicated: § 523(a)(9).

 

7  See 11 U.S.C. §§ 101(14A) and 523(a)(5), discussed in § 552.1 [ Domestic Support Obligations: § 523(a)(5) ] § 159.5  Domestic Support Obligations: § 523(a)(5).

 

8  See 11 U.S.C. § 1326(b)(3) and (d), discussed in § 556.1 [ Chapter 7 Trustee Compensation: § 1326(d) ] § 159.9  Chapter 7 Trustee Compensation: § 1326(d).

 

9  See 11 U.S.C. § 524(i), discussed in § 559.1 [ Discharge Injunction and New § 524(i) ] § 162.2  Discharge Injunction and § 524(i) after BAPCPA.