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Dischargeable Debts

Dischargeable debts are debts that are erased after you have successfully gone through bankruptcy. Examples of dischargeable debts are most credit card debts, medical bills, any back rent, etc.

Nondischargeable Debts

Nondischarageable debts are debts that you have to repay even after you successfully go through bankruptcy. If you file for Chapter 7 bankruptcy, the nondischargeable debts will remain even after you successfully complete the process. Under Chapter 13 bankruptcy, you have to repay the nondischarageable debts during your payment plan or they will remain even after you complete the payment plan.

Some examples of nondischargeable debts are student loans, income tax obligations, child support and alimony, credit card debts you incurred by lying on the credit card application, credit card debts incurred within 60 days of filing for bankruptcy, personal injury judgment against you where you were driving drunk, etc.

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