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Nondischargeable Debts in Chapter 7

While the primary focus of a Chapter 7 bankruptcy filing is to eliminate significant debts in an effort to wipe the slate clean for a debtor, it is important to remember that many debts are not eligible to be discharged by any means, even when all the proper steps and proceedings are adhered to in bankruptcy court. The government is largely unable to forgive debt against credit it has itself extended, and there are other conflicts of interests and breaches of creditor rights which cannot be overruled by the order of a bankruptcy court.

If you are seeking to discharge your debts through a Chapter 7 bankruptcy, it is essential that you are aware just which debts are eligible to be removed and which you will ultimately be required to pay regardless of the outcome of your bankruptcy proceedings. To learn more, contact the experienced Houston bankruptcy attorneys at the Russell Van Beustring P.C., at 713-973-6650.

What You Must Always Pay

While Chapter 7 is indeed a powerful solution to many debt concerns, bankruptcy law prevents the discharge of the following types of debts:

  • Most taxes
  • Student loans
  • Child support or alimony
  • Mortgages
  • Car loans
  • Other secured or collateral-backed debts

Additionally, any debt which the filer fails to list when submitting the paperwork for the Chapter 7 bankruptcy will not be discharged, unless it can be demonstrated that the creditor had clear knowledge of the filing.

Contact Us

Knowing which portions of your debt will be eligible for discharge is an essential part of filing for Chapter 7, and the input of a knowledgeable legal representative can be invaluable during the process. Contact the Houston bankruptcy lawyers at the Russell Van Beustring P.C., by calling 713-973-6650 today.


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