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
