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Which Debts Are Dischargeable in a Bankruptcy?

Most people who file for bankruptcy hope to discharge all of their debt. Though many types of debts are indeed eliminated in bankruptcy, there are some debts that cannot be discharged. If you are contemplating filing for bankruptcy in Arizona, an experienced lawyer can give you a realistic assessment of your unique debt situation.

The Law Offices of Anca Iacob is a firm committed to helping people get relief from overwhelming debt. Led by Phoenix bankruptcy lawyer Anca Iacob, we represent people who are struggling to make ends meet. Whether you lost your job, incurred an unexpected medical expense or are facing debt problems for other reasons, you can rely on our firm to help you get back on track.

Discharging Debt in Bankruptcy

How debt is treated depends largely on the type of bankruptcy you file. That, in turn, depends on the type and amount of debt you have, your income and your goals for the future.

Chapter 7 debt discharge: Filing Chapter 7 allows for the complete elimination of certain debts, known as unsecured debts. These include:

  • Credit card debt
  • Medical bills
  • Certain tax debts that are more than three years old
  • Utility bills
  • Second mortgages (but not always)
  • Judgments
  • And more

Chapter 13 debt discharge: When you file for Chapter 13, your debt is reorganized and put into a court-ordered repayment plan. Unsecured debts are part of the plan, as are secured debts, such as your mortgage or car loans. You make payments for three to five years. At the end of this period, you are caught up on secured obligations and any remaining unsecured debt is eliminated.

What Debt Cannot Be Discharged in Bankruptcy?

Some types of debts are non-dischargeable, meaning they cannot be eliminated. However, in certain situations these debts can become part of a Chapter 13 plan, which helps keep the payments manageable:

  • Child support
  • Spousal alimony
  • Some fines or penalties such as traffic tickets and criminal restitution
  • Government insured student loans
  • Debts you agreed to pay by signing a reaffirmation agreement

Your debt burden may seem overwhelming right now. We are here to help you manage that debt and get the fresh start you need. We welcome the opportunity to sit down with you and discuss your concerns.

Contact an Arizona Bankruptcy Attorney for an Initial Consultation

If you would like to learn more about dischargeable versus non-dischargeable debts in bankruptcy, please call 623-266-0060 to schedule an appointment, or you can contact our Glendale law office online. Consultations are available from 9 a.m. to 5 p.m. Monday through Friday. Evening and weekend meetings can be arranged by appointment.

Vorbesc româneşte.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Office Location

Law Offices of Anca D. Iacob
P.O. Box 11531, Glendale, AZ 85318-1531
Tel: 623-266-0060 | Fax: 623-334-6869

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