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I currently have $93,000 of credit debt, a $300,000 line of credit and a couple of judgments, can I include all of this in a chapter 7 or would I have to go chaper 13? I also owe the IRS about $300,000 in back owed taxes? Are taxes allowed to be put into either Chapter 7 or 13? I am no longer practicing my profession and my income has dramatically decreased.