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.