What kinds of debts can you eliminate in bankruptcy?

As a general rule, most debts that our clients owe are dischargeable in Chapter 7 or Chapter 13 bankruptcy.   These include but are not limited to: 

  • Credit card debt
  • Unsecured loans including payday or internet loans
  • Medical bills
  • Utility bills
  • Bank account deficiencies and fees, including overdraft fees
  • Vehicle loan deficiencies, including repossession and voluntary surrender
  • Mortgage loan deficiencies or landlord rent deficiencies
  • Personal debts,) such as for services
  • Uninsured vehicle accident judgments and BMV reinstatement fees
  • Tax debts that qualify (generally over three (3) years old, with tax assessed over two (2) years ago, not including sales tax or payroll taxes
  • Secured debt on property that you have surrendered or are willing to surrender
  • Many other miscellaneous debts