File your Chapter 13 “adjustment of debts” case at the right time to include all possible tax debts. Then budget right to prevent new ones.
As of January 1, 2016 you can include any taxes you owe for the 2015 tax year in your Chapter 13 payment plan.
Employee withholding taxes can’t be written off in bankruptcy. But still, either Chapter 7 or 13 may provide your best solution.
Keep your refund if it’s small (enough) or by not filing bankruptcy until spending that refund (wisely).
Q&As about tax refunds, whether and when to file late tax returns, joint tax debts with ex-spouses, getting rid of tax liens, and more.
As soon as 2014 arrives, your Chapter 13 case can cover, and protect you from, more tax debt.
Chapter 7 can only help in certain tax debt situations. Chapter 13 “adjustment of debts” is both more powerful and more flexible.