I have student loans that have been consolidated, & they're now in collections. Can I include them in my bankruptcy?
Student loans are ultimately non-dischargeable in either a Chapter 13 or Chapter 7 bankruptcy. However, in the Eastern District of Michigan in a Chapter 13 student loans have to be treated like other unsecured creditors during the course of the plan. What this means is that for the term of the Chapter 13 you will not have to deal with them separately, they will be a part of the plan, but they will still be there when the bankruptcy is done.