Blog Post
What Debts Are Discharged When You File for Chapter 7 Bankruptcy?
2/10/2026
Chapter 7 bankruptcy can eliminate many types of unsecured debt, but not all obligations are dischargeable. Understanding which debts are wiped out—and which are not—can help you make informed decisions before filing.
Debts Commonly Discharged in Chapter 7
In most cases, Chapter 7 bankruptcy discharges unsecured debts such as:
Credit card balances
Medical bills
Personal loans
Utility bills
Past-due rent or lease obligations
Certain older income tax debts (if specific requirements are met)
Debts That Are Not Dischargeable
Some debts are generally not dischargeable in Chapter 7 bankruptcy, including:
Child support and alimony
Debts incurred while intoxicated, such as DUI-related damages
Student loans, except in rare hardship cases
Most recent tax debts
Court fines and criminal restitution
Fraud and Adversary Proceedings
Debts obtained through fraud, false pretenses, or misrepresentation may be declared non-dischargeable. In these cases, a creditor must file a lawsuit within the bankruptcy case—known as an adversary proceeding—to ask the court to exclude the debt from discharge.
Luxury Purchases and Cash Advances
If a creditor objects to charges for luxury goods or cash advances made shortly before filing bankruptcy, those amounts may not be discharged. Generally, purchases or cash advances made within 70 days before filing may be presumed non-dischargeable, depending on the circumstances.
Understanding Your Debt Relief Options
While Chapter 7 bankruptcy can eliminate most unsecured debt, every case is unique. A knowledgeable bankruptcy attorney can review your financial situation, identify which debts may be discharged, and help you avoid issues that could delay or limit your relief.
***Peace Of Mind For You, A Fresh Start For Your Family***
3800 North Lamar Blvd # 200
Austin, TX 78756