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What Debts Are Discharged In Chapter 7


  • Personal loans
  • Credit cards
  • Repossession deficiencies
  • Auto accident claims
  • Medical bills
  • Judgments
  • Business debts
  • Leases
  • Guaranties
  • Negligence claims
  • Tax penalties over three years old
  • Income taxes that aren’t priority taxes

Possibly Dischargeable

  • Willful and malicious injuries to others
  • Embezzlement
  • Debts incurred by fraud or dishonesty
  • Debts arising from breach of fiduciary duty

These are only not discharged if a creditor promptly takes action to contest the discharge of his claim. Learn more about credit card dischargeability here.

Not Dischargeable

  • Recent taxes
  • Trust fund taxes
  • Child or family support
  • Criminal fine or restitution
  • Accident claims involving intoxication
  • Debts not scheduled
  • Penalties payable to the government other than tax penalties
  • Student loans
  • Debts listed in prior bankruptcy where debtor was denied a discharge
  • Taxes for years where return unfiled or filed for less than 2 years

Take Bankruptcy Filing Seriously – Call Us

No matter what financial situation you are facing, discuss filing bankruptcy with our experienced bankruptcy attorneys at Simkin & Associates, Inc. Schedule an initial consult by calling our Los Angeles office at 310-788-9089 or sending an email using our contact form.

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