Understanding Dischargeable And Nondischargeable Debt | Experienced Bloomfield Attorney
People who are considering bankruptcy as a debt relief option can struggle with a wide variety of debts. As you consider the best approach to obtaining the relief you need, it is important that you have a thorough understanding about what Chapter 7 and Chapter 13 bankruptcy can and cannot do for you and the difference between a nondischargeable and a dischargeable debt. A Hartford County attorney can explain your options.
At the Law Offices of Charles A. Maglieri, I dedicate my entire practice to consumer bankruptcy. During my more than 30 years practicing bankruptcy law, I have helped countless Connecticut clients resolve their financial struggles and give them the fresh start they need. The first step in many cases is determining which debts can be discharged in bankruptcy and which ones cannot.
Hartford County Dischargeable Debt Lawyer
While a majority of debts can be discharged in bankruptcy, including medical bills, credit card bills, mortgage loans, home equity lines and others, there are some that cannot. The following types of debts are typically not able to be discharged in bankruptcy:
- Income tax debts less than three years old
- Student loan debts, unless you can prove undue hardship in an adversary proceeding against the government
- Alimony and child support, although arrearages for these types of debts can be repaid in a Chapter 13 bankruptcy
- Certain criminal fines and claims involving moral turpitude, fraud or intentional and malicious injuries
When you choose me to handle your bankruptcy, I will conduct a thorough review of your financial situation and help you understand which debts can be discharged. If there are debts you want to discharge that are not eligible, I will work with you to find a solution that fits your needs.
Talk To A Lawyer About Your Debt Relief Needs
Contact my office to discuss your questions regarding dischargeable and nondischargeable debt. I offer a free initial consultation to all new clients. I am available during regular business hours and by appointment at other times. You can reach me by phone at 860-952-3674 or 860-541-5407 or via email.
My law firm is a debt relief agency as so designated by Congress in the year 2005. I help people file for bankruptcy relief under Title 11 of the United States Code, known as the Bankruptcy Code.