Get help finding the Right Bankruptcy Discharge Lawyer
A bankruptcy discharge is an irrevocable court order that wipes out a person's debt completely. This is typically the goal when filing for a chapter 7 bankruptcy or chapter 13 bankruptcy. A bankruptcy discharge means that the person does not have to pay back their debt and the creditor cannot attempt to collect that debt ever again. It is possible to get a bankruptcy discharge decision applied to credit card debts, medical bills, and personal loans. However, not all debts can or will be discharged and it is important to understand which debts cannot be discharged, which might be challenged by the creditors, and the differences between bankruptcy discharges within a chapter 7 versus a chapter 13 filing.
A bankruptcy discharge releases the debtor from their debts. However, if a lien is placed on the debtor and remains valid during the bankruptcy, the creditor can still enforce that lien even after a bankruptcy discharge is granted. In addition, filing for bankruptcy is already a lengthy process, and waiting for a bankruptcy discharge to take place can take even longer. These discharges can also be challenged by the creditor, and/or denied completely if the debtor fails to take the mandatory financial management course that is now required of all debtors that declare bankruptcy.
New bankruptcy laws have made it harder for a person to file for bankruptcy, and thus harder to get a bankruptcy discharge granted. There are many restrictions and requirements with regards to bankruptcy discharges, thus it is beneficial to seek the council of a bankruptcy attorney. An experienced lawyer can help explain all of the complex bankruptcy laws and walk you through the process of filing, in hopes of wiping out your debts through a bankruptcy discharge.
If you are thinking about filing for bankruptcy with the intention of being granted a bankruptcy discharge, call us and we will help you find the right attorney in your area that can find the best option to help eliminate your debt.
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