What debts can be included in a Chapter 13 bankruptcy?

In a Chapter 13 bankruptcy in North Carolina, most types of debts can be included for consolidation and repayment. This includes unsecured debts like credit cards, medical bills, personal loans, and collection accounts. Secured debts, such as car loans or mortgages, can also be incorporated if you wish to keep the collateral and propose a repayment plan to catch up on missed payments. Priority debts, including taxes, domestic support obligations like child or spousal support, and certain government fines, have to be included in the bankruptcy plan as well. Chapter 13 bankruptcy provides an opportunity to reorganize and manage debts effectively, allowing individuals to catch up on missed payments and regain financial stability.