What type of debt can I erase in Chapter 7 bankruptcy?

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Written by Attorney Jonathan Petts.  
Updated May 16, 2019

Summary

Most debts can be erased in Chapter 7 bankruptcy, including: - Credit card debt - Medical debt - Most judgments from collection lawsuits - Personal loans - Utilities bills - Phone bills

Most debts can be erased in Chapter 7 bankruptcy, including:

  • Credit card debt

  • Medical debt

  • Most judgments from collection lawsuits

  • Personal loans

  • Utilities bills

  • Phone bills

But you cannot erase the following debt in Chapter 7 bankruptcy:

  • Secured debt like a home mortgage

  • Most student loans

  • Taxes from the last 3 years

  • Alimony or child support

  • Personal injury you caused while drinking

  • Money you owe the government

  • Court fines and penalties

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