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

In West Virginia, Chapter 7 Bankruptcy Law allows for certain types of debts to be discharged. Generally speaking, any unsecured debts, such as credit cards, medical bills, and personal loans, can be included in Chapter 7 Bankruptcy. Tax debt, alimony payments, and child support payments that are more than three years past due can also be discharged. Other types of debts that may be discharged include judgments from a court decision, some student loan debt, and any debt incurred from a commercial transaction. In order for a debt to be discharged in Chapter 7 Bankruptcy, the individual cannot have taken out the debt in bad faith. Additionally, the debt must not be deemed non-dischargeable under any other article of the Bankruptcy Code. There are also certain debts that cannot be discharged in Chapter 7 Bankruptcy, such as debt incurred through fraud, debts related to taxes owed in the last three years, debt from certain alimony or child support payments, and debt from any criminal restitution. In conclusion, many types of debts can be discharged in Chapter 7 Bankruptcy in West Virginia. Examples of these include unsecured debts, certain types of student loan debt, certain tax debt, and some debt incurred through a commercial transaction. However, certain types of debt, such as fraud-related debt, taxes owed in the last three years, alimony and child-support payments, and criminal restitution, will not be discharged in Chapter 7 Bankruptcy.

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