The simple answer is no. For the most part, credit card debt is generally subject to discharge, but in some instances it may not be. For example, credit that was issued based on fraudulent information by the debtor will not be discharged. Other debt, such as child support, spousal maintenance, and outstanding taxes will likewise not be discharged. The only way to know about your personal situation is to discuss your case with a bankruptcy attorney. In Utah you can find a consumer bankruptcy attorney on the web at www.utahchapter13.com .
A Chapter 13 Bankruptcy plan must last for at least three years, unless all debts can be paid off in full in less time. A Chapter 13 plan cannot last for more than five years. More information on Utah Chapter 13 Bankruptcy can be found at www.utahchapter13.com .