Get A Fresh Start
Debt Relief Through Bankruptcy

Filing bankruptcy doesn’t have to be hard. Bankruptcy should easy, effective, and affordable.

Get the Help you Need to End Debt Now

What Debts Can I Get Rid Of?

The discharge is your objective in bankruptcy. The discharge means that the debts included in your bankruptcy cannot be collected from you ever again. The discharge is a little different in chapter 7 and chapter 13. Most debts are dischargeable in chapter 7; but, some people may get more benefit from a chapter 13. Additionally, the rules are a little different for debts like car loans and mortgages.

Chapter 7 Discharge

In most cases, the chapter 7 discharge is enough to get rid of all of your debts. Some of the debts discharged in chapter 7 are:

  • Credit Card Debts
  • Medical Debts
  • Personal Loans
  • Payday Loans
  • Signature Loans
  • Loan Deficiencies for foreclosures or car repossessions
  • Lawsuits
  • Personal Income Tax, if the return was due at least 3 years ago and you actually filed the return at least 240 days before filing chapter 7.
  • Restore your driver’s license if you were are an underinsured motorist or you have traffic tickets more than 3 years old.

Chapter 13 Discharge

Chapter 13 bankruptcy discharges all of the same debts as a chapter 7, and it covers some of the debts that you can’t discharge in a chapter 7.

  • Taxes that can’t be discharged in chapter 7 can be paid off through a chapter 13 plan. A chapter 13 plan lets you pay non-dischargeable back taxes first and still discharge your other debts.
  • If you have traffic tickets that are less than 3 years old, they can be discharged and you can get your license back.
  • If your house is completely underwater on the first mortgage, then you can discharge the second mortgage.

Secured Debts

A secured debt is something where a creditor has a lien on your property, for instance a mortgage or a car loan. In bankruptcy, the debt is discharged. But, you still have to make payments to the secured creditor if you want to keep the property. This is because a secured debt actually has two parts: 1) the debt, and 2) the lien. A lien is a property right that cannot be discharged in bankruptcy. So if you file bankruptcy and want to keep your car, you have to keep making payments.

There are a few cases where this is not true. If you file a chapter 13 bankruptcy, you may be able to do a cramdown or a strip off.


Call Our Bankruptcy Law office Now for Immediate Action and Debt Relief

I am a bankruptcy attorney with offices in Seattle and Kent. I help people from all over the Puget Sound region file bankruptcy. My practice services bankruptcy clients from Seattle, Kent, Renton, Bellevue, Tacoma, Burien, Des Moines, Auburn, Federal Way, the Eastside, and Pierce County.

(253) 631-6484 - call Now

The Law Office of Mark McClure, PS is designated as a debt relief agency under the United States Bankruptcy Code. We help people file for bankruptcy. Nothing on this website constitutes legal advice. Nothing on this website creates an attorney-client relationship.

Bankruptcy Attorney with offices in Seattle and Kent, also serving Tacoma, Bellevue, Federal Way, Auburn, Des Moines, Burien, the Eastside, and all over the Puget Sound Metro Area.
McClure Law Group

© 2024 by McClure Law Group. All rights reserved. Disclaimer | Site Map | Strategic Legal Web

Call Us

(253) 631-6484