What debts can I discharge in bankruptcy?

In West Virginia, you can typically discharge or eliminate certain types of debts in bankruptcy. The type of bankruptcy you are filing will determine which debts are eligible. Chapter 7 bankruptcy typically covers unsecured debts, such as credit card balances, medical bills, personal loans, and certain types of taxes. Chapter 13 bankruptcy is designed to help people catch up on mortgage payments and other secured debts. Generally, student loans, child support and alimony, and most taxes are not dischargeable in bankruptcy. Furthermore, any debts that are the result of fraud or criminal activity, or those incurred from certain types of luxury purchases or cash advances within the 90 days prior to filing are also not eligible for discharge. It is important to note that bankruptcy is often a last resort. It is important to speak to an attorney to develop your options and confirm which of your debts are dischargeable. A qualified attorney will be familiar with the West Virginia laws regarding debt discharge via bankruptcy and can help you assess any potential risks.

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What debts can I discharge in bankruptcy?

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