Can Student Loans Be Discharged in Bankruptcy? What About Child Support Debts? Alimony?

I am back folks. But, I have to admit that this will be a short one. I am in Tucson today for a 341 hearing, which means about 5 hours of commuting. Ah well, it a beautiful day and a scenic drive through the desert – things could be worse.

A majority of my clients come into their initial free bankruptcy consultation with some misconceptions about what bankruptcy can do for them. We all know bankruptcy has is benefits. It can eliminate credit card debt, stop creditor harassment, prevent foreclosure or repossession – and maaaaany mooooore (my favorite part of the birthday song, by the way.)

However, there are some cases where bankruptcy cannot help you eliminate their debt. What? You would like an example? Well, student loans fall into that category – most student loans cannot be discharged in bankruptcy. Domestic and child support obligations too. Certain tax debts also pass through bankruptcy intact, but that one is a little more complicated.

For those that would like to learn more about this topic, I present to you “Bankruptcy Basics – Part 3: Limits of Bankruptcy.” This is one of a series of short films put together by the US Courts in an attempt to educated debtors about the process of bankruptcy.

Certain types of debt, such as child support, alimony, and most student loans, cannot be discharged in bankruptcy. Wrongful conduct may make some debts non-dischargeable. Examples of such conduct are incurring credit card charges without the intent or ability to repay, or obtaining loans using false financial information.

For those of you that would like additional information, please don’t hesitate to contact me today. I am an experienced and dedicated Phoenix bankruptcy lawyer – I pride myself on the fact that my clients are happy (I like to think I have a little bit to do with that).

I am AVVO superb 10.0 rated and have an A rating from the Better Business Bureau. I offer some of the most reasonable fees in town, and offer free bankruptcy consultations. So, I guess what I am trying to say is what are you waiting for? Set up an appointment today!