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Home  >  Articles  >  Non-Dischargeable Debts and Bankruptcy

Non-Dischargeable Debts and Bankruptcy

A common misconception that many debtors hold prior to filing for bankruptcy is that doing so will eliminate all of their debts. While bankruptcy can help to eliminate a number of debts so that you can obtain financial relief and begin to work toward a future free from this current worry, there are a number of debts that are not dischargeable through this process. Debts that cannot be forgiven by bankruptcy are known as non-dischargeable debts.

It is important that you understand what types of debts are dischargeable and non-dischargeable before filing for bankruptcy so that you can determine whether there will be significant benefits to filing. For more information about non-dischargeable debts, contact the Cedar Rapids bankruptcy lawyers of Hong Law, PLC, at (319) 294-5853.

What are Non-dischargeable Debts?

Bankruptcy is not a quick and simple process wherein a debtor simply signs a few pieces of paper and is freed from their debts. Whether you file for Chapter 7 or Chapter 13 bankruptcy, there are many different considerations that will apply. The following are some of the types of debts which are typically not dischargeable:

  • Student loans
  • Any debt not listed when you file for bankruptcy
  • Traffic tickets or financial penalties associated with crimes
  • Personal injury settlements you owe someone else
  • State and federal taxes
  • Child support and alimony debts

Contact Us

Though the law does not require you to use an attorney to help you with your bankruptcy case, the advantages of securing legal counsel and representation are numerous. To speak with a lawyer who can help you to develop a fuller sense of how your case might proceed, contact a Cedar Rapids bankruptcy attorney of Hong Law, PLC, at (319) 294-5853 today.

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Coralville, IA 52241
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