- Divorce
- Child SupportCertain debts cannot be discharged like most taxes, child support, obligations awarded in a property settlement (Divorce decree), criminal penalties, restitution and in most cases, guaranteed student loans. If the debt is secured by collateral such as an automobile or your home, in most cases you must continue to make your payments if you do not wish to surrender the collateral.
- Traffic ViolationsA better question would be "what debts do not go away (discharge) when I file?"In Chapter 7 cases most taxes, child support, obligations awarded in a family law decree, most student loans, traffic tickets, criminal penalties & restitution, as well other debts owed to government entities cannot be discharged by filing a Chapter 7. If your are like most people, then most of debt is comprised of credit card, medical bill and unsecured personal loans, all of which can be discharged provided there are no issues of fraud surrounding the debt.
- MurderYes. You are not required to have an attorney when you file for Bankruptcy. In fact, you are not required to have an attorney if you are standing trial for murder either! However, Bankruptcy Guru recommends that you at least speak with an experienced Bankruptcy attorney before you decide to file.
- BankruptcyIf your tax liability cannot be discharged by the Court outright, then a Chapter 13 Bankruptcy filing will allow you pay it back ahead of other debts with no more penalties or interest. Please bring in any bill or demand for payment that you have received from the IRS to your FREE Consultation!
- ForeclosureAll debtors receive the Automatic Stay of Proceeding when either a Chapter 7 or Chapter 13 is filed. Therefore, any pending Foreclosure sale must be cancelled or postponed as soon as your Bankruptcy case is filed with the Court.