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Types of Debt Discharged in Chapter 7 Bankruptcy

Debt can take many forms, and not all debt is created equally in the eyes of the law. For some people, the help of a St. Louis Chapter 7 Bankruptcy Attorney can provide a clean discharge of debt. Others, however, may find that they need Chapter 13 to get their debt under control. By speaking with an experienced bankruptcy lawyer about your debt and your earnings, you can come up with a solution that will help you live debt free and stress free.

The type of debt that can be discharged, assuming a person’s Chapter 7 is accepted, is called non-priority unsecured debt. This debt includes:

  • Credit card debt
  • Medical bills
  • Payday loans
  • Personal loans from friends or family

For many people, this debt will make up the majority of their debt problem. Maybe a person lost a job and had to use credit cards to make ends meet, or maybe an illness or accident occurred and there was no health insurance to pay for it. A St. Louis Chapter 7 Bankruptcy Attorney will look at a person’s debt, their annual income, and other factors to make sure that they qualify for Chapter 7. If so, the lawyer will then seek to maximize your exemptions, allowing you to keep as many of your assets and money as possible.

At The Westbrook Law Group, we have helped many clients get a fresh start free of serious debt. We understand the stress of harassing phone calls, threatening letters, and mounting bills. We will find the best solution for your money problems and help you to get on firm financial footing. If you have found yourself overwhelmed by debt, a St. Louis Chapter 7 Bankruptcy Attorney at The Westbrook Law Group can help. Contact us today for a free consultation.