Dischargeable Debts
Most debts are dischargeable, or able to be eliminated, in bankruptcy. Examples of debts are payday loans, credit cards, medical bills, collection notices, eviction charges, repossessed vehicle loans, foreclosed mortgages, and personal loans. All of these debts are dischargeable in bankruptcy with some exceptions. When contemplating bankruptcy, you should not incur any new debt. Do not charge items to your credit card or take out pay day loans. A person should not incur new debt close to filing bankruptcy. This includes buying a new vehicle: do not do it!
All creditors known at the time of filing need to be listed on your bankruptcy petition. You cannot pick and choose which debts to file bankruptcy on. All debts must be listed. If you have taken out many payday loans or incurred new debt recently, make sure you disclose this to your bankruptcy attorney so that he or she better knows how to handle your case.
Failure to disclose debts known at the time of filing can result in the denial of your discharge. Most likely, all credit card accounts will be closed by your creditors, so do not plan on keeping any of your current credit cards after filing for bankruptcy.
If you are overwhelmed by debt and need a fresh financial start, call us for a free consultation. We'll discuss what debts you may be able to get rid of and how we can help.
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