Bankruptcy doesn't have to be something bad.
It can actually be the start of something good.
Your situation is unique, and it's personal.
Your attorney should be as well.

Which Debts Can Be Discharged

It is an unfortunate reality that misinformation pushed by creditors and the armchair expertise of those who would stigmatize a bankruptcy filing have served to prevent those who are desperately in need of debt resolution from understanding all of their options. Taking the steps to become properly informed about the possible advantages and disadvantages of these different measures is crucial to getting your financial life back in order.

If you feel like every month you are struggling with the choice to either pay the debts that you have outstanding or to cover basic living expenses, then it may be appropriate for you to consider filing for bankruptcy protection. This can give you a fresh start and a chance to move forward with the lessons learned from this unfortunate episode. Contact the Birmingham bankruptcy lawyers of Greenway Bankruptcy Law, LLC at (205) 324-4000.

Dischargeable and Non-dischargeable Debts

In bankruptcy proceedings, a “discharge” is essentially equivalent to the forgiveness of a debt. When something has been discharged, barring the discovery that a bankruptcy filing was built upon fraudulent claims, then no future efforts may be made to recover that debt and it shall be considered to have been satisfied.

The following debts may be dischargeable, depending upon the chapter under which you file:

  • Medical bills
  • Debts associated with a business
  • Leases
  • Credit card debts
  • Judgments entered against you
  • Older tax penalties
  • Claims associated with auto accidents or civil proceedings

These, however, should not be considered to be dischargeable:

  • Newer taxes
  • Fines imposed by a criminal conviction
  • Student loans
  • Child support and alimony

Knowing which debts are dischargeable, and which are not, can help you enter bankruptcy proceedings with clear and realistic expectations.

Contact Us

Bankruptcy is not the right choice for everyone, but it may be right for you. To learn more, contact the Birmingham bankruptcy attorneys of Greenway Bankruptcy Law, LLC at (205) 324-4000.

"When I had my power cut off because I just didn't have the money to pay the power bill, a friend suggested I call Paula Greenway. From the moment I walked in her office I felt like a burden was lifted from my shoulders."
Robin M
"I would just like to say that I was impressed by the staff of Greenway Bankruptcy Law, LLC and their attention to professionalism. They made the bankruptcy process not only pleasant but simple."
Jennifer S.
I can't tell how comforting it is to know your attorney is working on your case. I would and have recommended their service to friend and associates."Ed H.
"I would like to thank Greenway Bankruptcy Law, LLC for the way in which they handled my bankruptcy case."
Robert M.
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Greenway Bankruptcy Law, LLC
505 20th St N #1220
Birmingham, AL, 35203
Phone: (205) 324-4000
Tuscaloosa: (205) 737-3350
Gadsden: (256) 467-6650

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Greenway Bankruptcy Law, LLC All rights reserved. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The following language is required pursuant to Rule 7.2, Alabama Rules of Professional Conduct. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

Greenway Bankruptcy Law, LLC 505 20th St N #1220, Birmingham, AL, 35203 | Phone Number: (205) 324-4000