What types of debt can be discharged through bankruptcy?

In Hawaii, debtors can use bankruptcy as a way to discharge certain types of debt. In most cases, credit card debt, medical bills, personal loans, utility bills, and some income tax debt can be discharged through bankruptcy. For Chapter 7 bankruptcies, some student loan debt may also be dischargeable. In the state of Hawaii, debtors cannot discharge certain types of debt, such as child support, spousal support, taxes for which a return was not filed or which were assessed within the last three years, certain types of fines and penalties, debts obtained by fraud or misrepresentation, and certain secured debts. In addition, some states have laws that prevent debtors from discharge certain types of debt, such as alimony, child support, student loans, and certain tax debt. It is important to understand the laws in each state to ensure that the debt you wish to discharge can be discharged through bankruptcy. When filing for bankruptcy, debtors should consult a knowledgeable bankruptcy attorney to help them understand the laws applicable to their case. An attorney can review the type of debt and advise the debtor on the best way to handle it. Bankruptcy can be a powerful tool to start fresh financially, but it’s important to understand the process and its consequences.

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What types of debt can be discharged through bankruptcy?

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