What types of debts can be discharged in Chapter 7 Bankruptcy?

In Idaho, filing for Chapter 7 bankruptcy allows you to discharge certain types of unsecured debt like credit card debts, medical bills, utility bills, personal loans, and court judgments. These debts are “discharged” which means that you no longer owe them and creditors cannot take any action to collect them. However, not all debts can be discharged in Chapter 7 bankruptcy. Debts like child support and alimony, certain taxes (federal, state, local), student loans, criminal fines, and some types of contractual debts are not eligible for discharge. In addition, debts incurred through fraud or deceit, including any debts related to getting money or property through false pretenses, are considered non-dischargeable as well. This includes debts you incurred after intentionally misrepresenting yourself or after filing false documents. Finally, debts from a drunk driving incident are generally not dischargeable either, as are certain other kinds of debt that involve willful or malicious actions. In summary, Chapter 7 bankruptcy can help you manage certain types of unsecured debt, but not all debts are eligible for discharge. It is important to consult with an attorney to understand all of your options and to make sure that you are filing for the correct type of bankruptcy.

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