Certain debts survive bankruptcy, including recent taxes, student loans (with rare exceptions), child support, alimony, and debts from fraud or criminal activity. Secured debts like mortgages and car loans aren’t eliminated, but you can keep the property by continuing payments or surrender it to eliminate any deficiency balance. Recent credit card charges for luxury items or cash advances may not be dischargeable if made shortly before filing. However, most common debts – credit cards, medical bills, personal loans, old utility bills, and deficiency balances from repossessed vehicles – can be eliminated. We’ll review your specific debts during consultation to explain exactly what can and cannot be discharged in your situation.
