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Not all debts are discharged by bankruptcy

Throughout Florida, many people have various debts to keep on top of, gradually paying them down. However, it is all too easy for those debts to get out of hand and before you know it, you may not be earning enough to keep up with your repayments. If this happens, you may then have to explore debt relief solutions, such as bankruptcy. Of course, this may seem like a big step at first, but it can be hugely helpful and may be the answer you need.

As this article on Chapter 7 bankruptcy explains, there are certain forms of debt that are not discharged in this way. These include the following:

  • Court fees and any penalties or fines imposed by the government.
  • Debts that in a previous bankruptcy filing were deemed not to be dischargeable.
  • Alimony and child support obligations.
  • Debts relating to wrongful death or personal injury from a DUI case.
  • Recent taxes, whether local, state or federal.

It also cannot discharge debts not filed as part of the case. Student loans are also usually on the list of non-dischargeable debts, but this is not always the case. For example, if repayment would cause you what is known as “undue hardship” you may be permitted to include this debt in your filing.

Furthermore, Chapter 7 can also help you to clear credit card bills, mortgages, medical expenses and most other debts, so it can still help you to dramatically improve your financial situation. As such, it is certainly worth considering and may be able to help you regain control of your life and your finances.

An lawyer can advise you about your options and may prove to be a valuable ally as you figure out the best debt management solution for you. He or she may also be able to support you through the legal process and help you reach a fair and favorable resolution to your situation

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