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Discharging Debt with Bankruptcy

Long Island, NY Bankruptcy Attorney

Discharging debt is the primary concern of any Long Island bankruptcy. In a bankruptcy discharge, a debtor is released from responsibility for specific debts. When a debt is "discharged" the debtor no longer has to worry about paying the debt and can no longer be held responsible for it in any way - it is an order that prohibits creditors or debt collectors from taking any collection efforts against the debtor. While filing for bankruptcy places an automatic stay on all debt collection efforts against the debtor, the debt discharge is what negates the debtor's responsibility for that debt, permanently.

Not all debt may be discharged through bankruptcy. Finding out in what way your debt will be affected by bankruptcy is important, and a Long Island bankruptcy attorney at our firm can help you in this regard. We can discuss secured and unsecured debt, as well as the affects that bankruptcy may have on any tax debt you owe.

What debt can be discharged?

Although the situation may vary depending on your particular case, the following are the main types of debt that can be discharged through bankruptcy:

  • Credit card debt
  • Personal loans
  • Department store cards
  • Utility bills
  • Medical bills
  • Dental bills
  • Certain tax debt

Child support, spousal support, student loans and certain taxes are all generally ineligible for discharge through Chapter 7 bankruptcy, although in some cases a debtor can make payments for past due unsecured debt in his or her Chapter 13 repayment plan.

You currently have the opportunity to finally experience relief from overwhelming debt. Make sure you approach the process properly by working with an attorney who can effectively represent your interests and offer you the full advantage that discharging debt will have on you now and in the future.

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