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What Debts are Discharged in Chapter 7 Bankruptcy?

When you file for Chapter 7 bankruptcy, certain debts are cancelled, or “discharged.” Once a debt is discharged, the debtor is no longer responsible for repaying it. A creditor can no longer collect on discharged debts. A discharge is usually automatically granted at the end of a case, unless an objection is filed by a creditor. In order to object, a creditor must file a complaint with the bankruptcy court before the specified deadline.

Any debts incurred after you filed for bankruptcy will not be discharged. The debts that can be discharged under Chapter 7 include:

  • Credit cards
  • Leases
  • Medical bills
  • Personal loans
  • Utility bills
  • Auto accident claims
  • Business debts
  • Deficiencies existing after vehicle repossessions
  • Negligence claims

If any of the above debts can be connected to misconduct or fraud, they will become non-dischargeable.

While getting your debts discharged is a major advantage of filing for Chapter 7, there are some debts that are not dischargeable, including:

  • Child support
  • Alimony
  • Income taxes
  • Student loans
  • Condominium and housing fees
  • Attorney fees in child custody and support cases
  • Court fines and penalties

To learn more about which of your debts are dischargeable under Chapter 7, contact an experienced attorney at DebtStoppers in Atlanta.

By DebtStoppers | Published January 30 2015 | Posted in Georgia

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