Rauser & Associates Legal Clinic LLP
Call Now For A Free Consultation! 888-843-5787

Are there certain debts that remain after Chapter 7 bankruptcy?

Filing for Chapter 7 bankruptcy is a complicated process, and you should be aware of certain details before making such an important decision. Although it does relieve you of some of your debts, others might not be that easy to get rid of. Certain debts are important to pay off, and the court does not allow you to have them waived.


Debts that cannot be eliminated through Chapter 7 bankruptcy include:

  1. Repayment of student loans.
  2. Child support and alimony.
  3. Fines or penalties that you have to pay to the government.
  4. Debts that result from having to pay someone compensation for your wrongdoing.
  5. Debt that you have to pay to a certain pension plan.
  6. Local, state or federal taxes that you owe.
  7. Debts that were not discharged when you applied for bankruptcy previously.

You must keep in mind these non-dischargeable debts when trying to figure out whether or not you want to file for Chapter 7 bankruptcy.

Some people think of filing for Chapter 7 bankruptcy in order to get rid of their student loans, but unfortunately, getting rid of student loans is very difficult. However, there are exceptions to this rule that you can use to get your educational loan discharged. If the court feels that paying off the loan will create hardships on the debtor, there is a chance it could be eliminated. But to qualify for this concession, the debtor must prove that making the payments is impossible for them. They must apply separately for a hardship discharge of educational loans before filing for Chapter 7 bankruptcy.

If you are thinking of filing for Chapter 7 bankruptcy, you might want to discuss your assets and debts with an experienced attorney. The attorney will go through your debts and evaluate which debts can be discharged.


No Comments

Leave a comment
Comment Information
Email Us For A Response

Contact Us For Your Free Legal Evaluation

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Rauser & Associates Legal Clinic LLP

Akron Office
1 Cascade Plaza
Suite 1410
Akron, OH 44308

Toll Free: 888-843-5787
Map & Directions

Canton Office
401 W. Tuscarawas
Suite 400
Canton, OH 44702

Toll Free: 888-843-5787
Map & Directions

Cleveland Office
614 West Superior Avenue
Suite 950
Cleveland, OH 44113

Toll Free: 888-843-5787
Map & Directions

Columbus Office
5 East Long Street
Suite 300
Columbus, OH 43215

Toll Free: 888-843-5787
Map & Directions

Elyria Office
347 Midway Mall Blvd
Suite 201
Elyria, OH 44035

Toll Free: 888-843-5787
Map & Directions

Toledo Office
316 North Michigan Street
Suite 420
Toledo, OH 43604

Toll Free: 888-843-5787
Map & Directions

Youngstown Office
26 Market Street
Suite 1001
Youngstown, OH 44503

Toll Free: 888-843-5787
Map & Directions