In a Chapter 7 bankruptcy, the court may discharge (wipe out) many unsecured debts—meaning you generally don’t have to pay them after the discharge is entered. Common examples include credit card balances, medical bills, personal loans, and many past-due utility or phone charges. The discharge applies to debts that aro
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What debts does Chapter 7 discharge?
In a Chapter 7 bankruptcy, the court may discharge (wipe out) many unsecured debts—meaning you generally don’t have to pay them after the discharge is entered. Common examples include credit card balances, medical bills, personal loans, and many past-due utility or phone charges. The discharge applies to debts that arose before the bankruptcy filing, subject to exceptions and eligibility rules.
Debts that are usually NOT discharged (common exceptions)
Certain debts typically survive Chapter 7, even after discharge. These often include: (1) most student loans (unless a specific, hard-to-meet hardship standard is proven); (2) recent or certain taxes (rules vary by type and timing); (3) child support and alimony; (4) debts from fraud, willful injury, or certain criminal acts; (5) some fines, penalties, and restitution; and (6) debts not properly listed or not scheduled in time for required notice to creditors. Some debts may be partially discharged depending on the facts and the court’s findings.
Important notes
Whether a particular debt is discharged depends on its type, timing, and whether it falls under an exception. Creditors can sometimes object to dischargeability for specific debts. If you’re unsure, review your bankruptcy paperwork and any creditor claims, and consider getting legal advice to confirm how your specific debts are treated.
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