What debts can be discharged through
chapter 7 bankruptcy?

Filing for Chapter 7 bankruptcy is an effective way to discharge much of your outstanding debt, provided you qualify. However, not all of your debts can be cleared through this process. The federal bankruptcy code clearly dictates the types of debt that cannot be discharged, and any debts which are not on that list are eligible.


When it comes to Chapter 7 bankruptcy, the majority of debts can be discharged. For many individuals, Chapter 7 can actually completely eliminate their outstanding debt. The full list of dischargeable debts is exhaustive, but the most common types include:

  • Credit card debt
  • Medical bills
  • Personal loans
  • Past-due utility bills
  • Many auto accident claims


Some types of debt cannot be discharged through bankruptcy under any circumstances. These include, but aren’t limited to:

  • Certain taxes
  • Spousal support and alimony
  • Child support
  • Court penalties and fines

Other types of debt are sometimes dischargeable, but may not be dischargeable based on certain conditions. The most common examples include student loans, which are only rarely dischargeable, and car accident claims involving DUI.The Difference Between Chapter 7 and 13 Bankruptcy Many types of debt which can normally be discharged will be denied if a creditor can successfully object. For example, if you begin making many luxury purchases on a credit card within 90 days of filing, these debts may not be discharged. If you incurred the debts by fraudulent or false pretenses, or as a result of willful injury to another, these also may be denied by the trustee.


At The Nesbitt Law Firm, our skilled Columbus bankruptcy attorney understands the financial hardships that honest, hardworking people face every day. When you choose our firm, Attorney Nesbitt will provide compassionate and knowledgeable counsel to help you get relief from debt.

If you’re considering bankruptcy, call our firm today at (614) 344-6858.


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    Laura M. Nesbitt

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