A chapter 20 bankruptcy is a chapter 7 followed by a chapter 13. There are a lot of times where you may want to implement this structure. For example, you need to file bankruptcy to get rid of some debt, but student loan debt is not dischargeable in bankruptcy. Then, you want to get into a bankruptcy to pay back the student loans. You can use a chapter 13 after a chapter 7. Even though you won’t get a discharge in the chapter 13, it doesn’t matter because you won’t be able to discharge the debt anyway. Instead, you’re using the process to pay back your creditors.