What Debt is Dischargeable Through Bankruptcy?


Current bankruptcy law specifies particular types of debts that can and cannot be discharged. When you hire Acosta Law, our attorneys will provide a complete evaluation and give you an honest assessment of your financial circumstances. We will let you know which debts can be discharged and if filing for bankruptcy may be an effective debt relief option for you. Chapter 7 and Chapter 13 bankruptcy allow borrowers to eliminate their unsecured debts. Secured debt is backed by some form of collateral, like a house, while unsecured debt, such as credit card debt, is not tied to any tangible object.

Dischargeable Debt

The following are types of unsecured debt that are typically dischargeable through bankruptcy:

  • Credit card debt
  • Medical bills
  • Utility bills
  • Bills for services
  • Personal loans, payday loans
  • Judgments

Debts incurred through fraudulent activity, student loans, tax debts, child support and alimony are typically not dischargeable in bankruptcy.

At the Houston law office of Acosta Legal, our lawyers help clients analyze their finances and determine the best path to debt relief. While you may not care about paying your unsecured debt, it does not mean that the creditors won't make every attempt to collect from you. Contact Acosta Law online or by phone at 713-980-9014 to schedule a free initial consultation.