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Castle Law Office

Q
Can All Debts Be Wiped Out in a Chapter 7 Bankruptcy?

A

Despite the perception that filing for bankruptcy protection erases all debts, there are a few that can't be included in Chapter 7 bankruptcy. Typically student loans, alimony and child support, court-ordered fees and fines, and certain tax debts can't be discharged through the bankruptcy process.

Debts such as credit card balances, medical bills, personal loans, legal gambling debts, and mortgages and car payments (depending on whether or not you want to keep the house and car) are all eligible to be discharged in a Chapter 7 bankruptcy.

However, not everyone can file for Chapter 7 bankruptcy protection, or will even prefer it. Depending on your income, and on what your priorities are, you may choose or be required to file for Chapter 13 bankruptcy instead of Chapter 7.

Our attorneys can help you determine if Chapter 7 is your best option. We're happy to answer your questions about particular debts. Whether you're struggling with credit cards, medical bills, mortgage payments, or something else, we're here to help. We take care to make sure you don't lose your house or car unless you want to, and we can help you free up financial space to start spending  money on the things you really care about.

Castle Law Office has been handling bankruptcies for Kansas City clients from more than 14 years. If you need the fresh start bankruptcy can provide, call us today at 816-842-6200 to speak with an attorney. Or click here to email us and schedule your free consultation.

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