What debts are dischargeable in bankruptcy?

In Delaware, various types of debts can be discharged, or wiped out, in bankruptcy. Generally, most unsecured debts can be discharged, meaning the debtor is no longer legally responsible for repaying them. These include credit card debts, medical bills, and other types of personal debts. In addition, some types of secured debts, such as a car loan, can be discharged if the debtor is willing to surrender the security. Tax debts, domestic support obligations (such as alimony or child support), certain student loan debts, and debts incurred by fraud are not dischargeable. In addition, debts arising from a court judgment in a personal injury case involving physical injury or death are also not dischargeable. In some cases, the bankruptcy court may deny a debtor’s request to discharge certain debts. This can happen for a variety of reasons, including if the debtor misrepresented or concealed any assets or failed to keep financial records or accounts. It is important to seek the advice of a qualified bankruptcy attorney who can advise on the types of debts that are dischargeable in your particular case.

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