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Discharging Your Debt

Call Our Appleton Bankruptcy Attorney – (888) 782-9423

The main draw of filing for bankruptcy is having your debts discharged, or eliminated. What you need to know before you rush into a bankruptcy filing is that not all debts can be discharged. Depending on the type of bankruptcy you file — most people use either Chapter 7 or Chapter 13 — and what debts you owe to what parties, you might be able to discharge all, most, some, or only a portion of your debts through bankruptcy.

Are you wondering if you should seek bankruptcy to discharge your debts? Come to Sapinski Law Office, S.C. and talk to an Appleton bankruptcy lawyer from my firm. It is my goal to make certain you understand bankruptcy and your options throughout your case. Each step we take towards a debt free future should be one you decide is right.


Contact me today to learn more about bankruptcy and debt discharges.


What Debts Cannot Usually Be Discharged?

While bankruptcy is easier to qualify than ever before due to Congressional measures taken back in 2005, it is still a process that not everyone can use or should use. There are several forms of debt that usually cannot be discharged, no matter your financial standing or the type of bankruptcy you use. If the majority your debt is unable to be discharged, bankruptcy might not be the best choice.

Types of debt that are unlikely to be discharged in any bankruptcy case are:

  • Student loans: It is notoriously difficult for student loan debts to be discharged. The 2005 U.S. Bankruptcy Code update expanded student loan non-dischargeable status to include both public student loans and private loans.
  • Tax debts: Whether or not you can discharge tax debt often relies on when the debt was first created and when you file for bankruptcy. It can be a challenge to discharge tax debts, but it may be possible with the guidance of an Appleton bankruptcy lawyer from my firm.
  • Gambling debts: Many gambling debts can never be discharged through bankruptcy. The idea is that if gambling debts were easily discharged, it would dangerously encourage people in debt to resort to gambling to try to make their money back, which would only worsen the situation.
  • Child custody obligations: When a family law court orders child support to be paid to your ex-spouse after a divorce, you must do everything you can to meet those obligation. If you file for bankruptcy, any money you still owe in child support will exist afterwards.

The right time to see if bankruptcy can discharge your debt is today. Go ahead and contact me by dialing (888) 782-9423. I would be happy to discuss your options during a no-cost case evaluation.

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