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.

Dischargeable Debts

One of the major appeals of Chapter 7 bankruptcy is the wide scope of debt discharge, usually providing a sufficient level of debt relief to allow a debtor to effectively start over again. However, the law establishes special guidelines for circumstances that may require a debtor to continue paying his or her creditors when the debt would normally be discharged. In these situations, there can be a great deal of legal confusion over how debt discharges can be denied.

If you are considering filing for bankruptcy, contact a Birmingham Chapter 7 bankruptcy lawyer from Greenway Bankruptcy Law, LLC at (205) 324-4000 to learn more about your options.

Types of Dischargeable Debts

Under normal circumstances, debt incurred by a debtor that is generally considered dischargeable will be discharged. However, the court may refuse to discharge a particular debt if the debtor has proven to be negligent regarding his or her treatment of creditors.

Debts that are commonly discharged include:

  • Credit card balances
  • Business loans
  • Post-repossession payments
  • Personal debt
  • Car accident and negligence claims not willfully caused

Generally speaking, a conscientious debtor who simply made a few costly financial mistakes will have few issues discharging major debts. In addition to discharges, debt may be retained, or reaffirmed, if a debtor agrees to pay a creditor in return for a promise to not repossess certain possessions.

Contact Us

The details of bankruptcy law can be quite complex, especially when it comes to the discharge of debts. If a creditor believes that their debt is non-dischargeable, they may fight for their payments, despite the debtor’s inability to pay. Help protect your financial interests and learn more about your legal rights by contacting a Birmingham Chapter 7 bankruptcy attorney from 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."
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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