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  • Can All Debts Be Discharged in Chapter 7 Bankruptcy?

    Can All Debts Be Discharged in Chapter 7 Bankruptcy?

    Call: 888-297-6203

    Among the various chapters of bankruptcy, people prefer to file under Chapter 7. This is because you can eliminate almost all the unsecured debt to lead a debt-free life. However, before you become overjoyed with the idea of getting rid of all your debts, it is important to know that not all debts are discharged, even in Chapter 7 Bankruptcy. Dallas based bankruptcy law firm Recovery Law Group informs you about the different debts which are not discharged in a Chapter 7 bankruptcy:

    • Child support and alimony
    • Student loan debt
    • Debts due to penalties for driving under influence resulting in death or personal injury
    • Tax debts and debts incurred due to non-payment of federal taxes
    • Any debts incurred due to fraudulent activities
    • Debts due to specific fines and penalties
    • Any debts which you failed to list in the Chapter 7 form

    Before you think of filing for bankruptcy, it is important that you take stock of what type of debts can be discharged and what can’t. This will provide you with an idea of whether filing for bankruptcy under Chapter 7 will be beneficial for you or not. In case, you find that Chapter 7 is your best bet for improving finances, you should seek the counsel of an experienced bankruptcy lawyer. If you wish to consult with expert lawyers regarding your bankruptcy, call 888-297-6023.


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    • Need to File Bankruptcy a Second Time? Here’s an Overview of Both Chapters for Your Assistance

      Need to File Bankruptcy a Second Time? Here’s an Overview of Both Chapters for Your Assistance

      Financial problems can hit anyone anytime. However, there is no guarantee that despite your best efforts you might not hit a rough patch again. Many people are often confused that if they have opted for bankruptcy earlier to get rid of their debts, are they eligible to file for bankruptcy again? According to Dallas based bankruptcy law firm Recovery Law Group lawyers, if an individual has had a bankruptcy discharge previously, a certain time period is necessary before they can file for bankruptcy again. The various options available to people who have previously filed for bankruptcy are:

      • If an individual has had a Chapter 7 bankruptcy discharged previously, they cannot get a discharge in Chapter 7 case until 8 years from the date of 1st Chapter 7 bankruptcy discharge. If such an individual opts for filing for Chapter 13 the second time, they need to wait for 2 years between the bankruptcy filings to get a discharge the second time. Chapter 13 discharge, in this case, cannot be granted prior to four years from the date of Chapter 7 discharge filing.
      • If a person had previously received a discharge in a Chapter 13 bankruptcy case and wishes to file for a Chapter 7 discharge later, they will have to wait for a minimum period of 6 years from the Chapter 13 discharge date. However, certain exceptions are observed in this case. The individual needs to have paid their unsecured creditors in full as per the Chapter 13 plan or paid 70% of claims along with a statement providing good faith effort on your end to clear your debts.

      You can contact expert bankruptcy lawyers at 888-297-6023 to get a better understanding of your options for filing bankruptcy again.


        *Are you more than 60 days past due on your mortgage?

        *Do you own a home?

        Are you currently working?

        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.