A more thorough explanation:

Definition: Chapter 20 is a slang term used to describe a situation where a person files for bankruptcy under Chapter 7 and receives a discharge, but then immediately files for bankruptcy again under Chapter 13 to deal with remaining debts that cannot be discharged.

Example: John filed for Chapter 7 bankruptcy and received a discharge, but he still had a large amount of debt that was not dischargeable, such as student loans and taxes. He then filed for Chapter 13 bankruptcy to create a repayment plan for these debts.

Explanation: In this example, John's situation illustrates the definition of Chapter 20. He first filed for Chapter 7 bankruptcy to discharge as much debt as possible, but then filed for Chapter 13 bankruptcy to deal with the remaining debts that could not be discharged. This is a common strategy used by individuals who have a combination of dischargeable and nondischargeable debts.