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Janet K. Hong and Derek Hong are the founding partners of Hong Law, PLC

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Home  >  Practice Areas  >  Personal Bankruptcy  >  Chapter 7  >  Dischargeable and Non-Dischargeable Debts

Cedar Rapids Dischargeable and Non-Dischargeable Debt Attorneys

When faced with the difficult decision of whether or not to file for Chapter 7 bankruptcy, it is important to know which kinds of debts are dischargeable and which are non-dischargeable. Dischargeable debts are debts that Chapter 7 bankruptcy will typically be able to remove from your record, freeing you any related ongoing obligations. Non-dischargeable debts cannot be eliminated through a Chapter 7 bankruptcy case, and you will still be expected to repay them.

If you are considering filing for Chapter 7 bankruptcy protection, it is strongly advisable to speak with a knowledgeable attorney. Contact the Cedar Rapids Chapter 7 dischargeable and non-dischargeable debt lawyers of Hong Law, PLC, at (319) 294-5853 for a confidential case evaluation.

Examples of Dischargeable and Non-Dischargeable Debts

Dischargeable debts are generally those that are unsecured. Some examples of debts that are dischargeable through Chapter 7 bankruptcy include:

  • Credit card debt
  • Medical bills
  • Unpaid leases
  • Personal loans
  • Business expenses

Unfortunately, Chapter 7 bankruptcy does not discharge all debts. Examples of debts that are non-dischargeable through Chapter 7 bankruptcy include:

  • Student loans (unless special conditions are met)
  • Child support
  • Alimony
  • Criminal fines
  • Debts not listed in bankruptcy filings
  • Federal, state, and local taxes

When considering filing for bankruptcy, it important to know exactly what your debts are and to whom they are owed.

Contact Us

If you are collapsing under the weight of overwhelming debt, the Cedar Rapids dischargeable and non-dischargeable debt attorneys of Hong Law, PLC, can help you throughout the entire Chapter 7 bankruptcy process. Contact us by calling (319) 294-5853 today.

Iowa City and Coralville Office Location: 845 Quarry Rd #130
Coralville, IA 52241
Phone: (319) 354-1804
Map to our Coralville Office