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What can I actually discharge through Chapter 7 bankruptcy?

For most people, Chapter 7 bankruptcy is synonymous with a full discharge of any and all debts. While that would indeed be nice, there are some debts that cannot be discharged through a Chapter 7. Although this might be disappointing to some who are filing for bankruptcy, for those who truly need debt relief, it is often still a viable and appropriate option.

Some of the most burdensome debts that people in Washington deal with are medical bills and credit card debt. These two types of debt can be discharged through Chapter 7, as can most other bills. However, debt accumulated by failure to pay child support or from most federal tax income cannot be discharged. As most people are probably already aware, student loans cannot be discharged either unless under very specific and tight conditions.

If an individual has both dischargeable and non-dischargeable debts, this does not indicate that filing for bankruptcy is a bad idea. In addition to lifting some of the burden by erasing certain debts, people suffering from wage garnishment can have that process stopped the day that they file for bankruptcy. With at least some debt out of the picture and a complete paycheck, working toward financial stability can be an attainable goal.

Of course, there is no magic debt relief spell that will immediately cure all financial worries, but for many people in Washington who have been drowning under debt for far too long, bankruptcy can provide a necessary lifeline. Before filing for a Chapter 7 bankruptcy, it is makes good sense to take careful account of what type of debts are owed. This small act can better prepare a person for the filing process.

Source:, "Should I File For Chapter 7 Bankruptcy?", Accessed on Aug. 25, 2015

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