What Debts Are Not Discharged?

Non-Dischargeable Debts in Bankruptcy

Solid Legal Advice from an Experienced Bankruptcy Law Attorney

Bankruptcy does not wipe out all of your financial obligations. Certain debts are not dischargeable. As an experienced lawyer with over 20 years of experience in this field, I can give you an accurate picture of which debts will qualify, and how you should proceed to emerge from bankruptcy in the best position.

John Turner, Attorney at Law of Colorado Springs provides bankruptcy debt relief representation to clients in El Paso, Teller, Pueblo, and Fremont Counties, including resident or non-resident personnel at area military installations. Call me at 719-632-2022 to schedule a free consultation.

Debts Not Discharged in Bankruptcy

• Student loans (except in cases of "undue hardship")
• Recent taxes (within three years of filing)
• Child support or spousal support obligations
• Divorce settlement obligations to a former spouse
• Loans obtained under false pretenses

What Debts ARE Discharged?

Most unsecured debt is completely wiped out in a Chapter 7 bankruptcy. In a Chapter 13 bankruptcy, after you make the scheduled payments for three to five years, any remaining debts are discharged. The following debts are usually (but not always) dischargeable:

• Credit card balances
• Medical bills
• Auto accident and negligence claims
• Judgments
• Personal loans
• Business debts
• Taxes and penalties dating back more than three years

Individualized and Thorough Review: 719-632-2022

Your situation may be an exception to these general rules. For a more detailed discussion of which debts are erased and what debts are not discharged in bankruptcy, contact my Colorado Springs office. I have practiced exclusively in bankruptcy law since 1999. In a free consultation, I will examine your specific financial circumstances and give you honest, dependable advice.

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