Debt Management: The Bankruptcy Discharge
For most people, the goal of bankruptcy is to wipe out debts. This is called the bankruptcy discharge. Not all debts are discharged, however. Before you file for bankruptcy, it's important to know:
- which debts will be wiped out in bankruptcy, and which will remain
- differences between Chapter 7 and Chapter 13 bankruptcy when it comes to the discharge, and
- when the trustee or creditor might challenge the dischargeability of a debt.
Overview Articles
Overview Articles
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What Is the Difference Between Dischargeable and Nondischargeable Debts in Bankruptcy?
While most debts can be eliminated in bankruptcy (called dischargeable debts), certain obligations (called nondischargeable debts) survive your bankruptcy discharge.
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What Happens If My Bankruptcy Discharge Is Revoked?
If you commit fraud or don't follow bankruptcy rules, the court can revoke your bankruptcy discharge and your debts won't be wiped out.
The Chapter 7 Discharge
The Chapter 7 Discharge
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Nondischargeable Debts in Chapter 7 Bankruptcy
Although many debts are discharged (canceled) in a Chapter 7 bankruptcy, some don't qualify for discharge. Learn more about nondischargeable debts in Chapter 7 bankruptcy.
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Which Debts Can You Discharge in Chapter 7 Bankruptcy?
Learn about the debts that are "discharged" or eliminated when filing for Chapter 7 bankruptcy protection.
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Discharging Social Security Overpayments in Bankruptcy
Unless you've committed fraud, you can discharge Social Security overpayments in bankruptcy.
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Are Unlisted Debts Discharged in a No-Asset Chapter 7 Bankruptcy Case?
If you forget to list a creditor in your no-asset Chapter 7 bankruptcy, can you still wipe out the debt? Find out.
The Chapter 13 Discharge
The Chapter 13 Discharge
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Debts Discharged at the End of Chapter 13 Bankruptcy
When you complete your Chapter 13 bankruptcy, most of your debts are wiped out by your discharge. Find out which debts are discharged by Chapter 13 that would remain after a Chapter 7 discharge.
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Debts That Survive Chapter 13 Bankruptcy
After you complete your Chapter 13 plan, some of the remaining debts won't be discharged.
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Getting a Chapter 13 Hardship Discharge
If you cannot complete your Chapter 13 repayment plan, you can file a motion with the bankruptcy court asking for a hardship discharge.
Objections to Discharge
Objections to Discharge
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Objections to the Bankruptcy Discharge
A creditor or the trustee can object to the discharge of one or all of your debts in bankruptcy.
Common Questions on the Bankruptcy Discharge
Common Questions on the Bankruptcy Discharge
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Discharging Social Security Overpayments in Bankruptcy
Unless you've committed fraud, you can discharge Social Security overpayments in bankruptcy.