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Debt Discharge

Everything you need to know about Debt Discharge

A bankruptcy discharge releases individual debtors from personal liability for the debt and prevents the creditor owed that debt from taking any collection actions against the debtor. In other words, you are no longer responsible for repaying the debt, and the creditor can no longer attempt to collect from you.

The U.S. Bankruptcy Code lists categories of debts that cannot be discharged in Chapter 7 and Chapter 13. While the specifics vary somewhat among the different chapters, the most common examples of non-dischargeable debts are:

  • Alimony
  • Child Support
  • Educational Loans
  • Secured Loans
  • Income Taxes
  • Bills for Luxury items
  • Debts arising from drunken driving, willful and malicious injury, or fraud.

If you or someone you love is seeking debt relief and has questions about bankruptcy, contact us today to arrange a free confidential consultation with bankruptcy attorney Scott F. Humble. Let his 30+ years of experience work for you.

Next Article:  Role of a Bankruptcy Trustee

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Filing for bankruptcy can feel like the end of your financial life, but it’s really the beginning. The New York Bankruptcy Guide was created by Jamestown bankruptcy attorney Scott Humble to show residents how to become free of debt without sacrificing their personal belongings. Download our FREE Bankruptcy Guide.

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