Discharging Debts Through Bankruptcy

Debt Relief Attorneys in Chicago, Illinois

Are you facing serious financial debt? Not only are you overwhelmed by monetary commitments, you are scared because you do not fully understand the debt that you owe. If you file for bankruptcy, what will get wiped away? Without understanding the different types of debt, you can easily feel lost. Don't worry. Our attorneys have the experience and knowledge you need to help you move forward with your life.

Atlas Consumer Law handles the full range of debt relief options, including bankruptcy, foreclosure, loan modifications and other complex techniques that help our clients get back on their feet. We have helped a number of clients who come to us confused about the different types of debt that exist and are committed to providing the information they need.

  • Some debts simply cannot be discharged in a bankruptcy proceeding. These non-dischargeable debts include:
  • Student loans
  • Some tax debt
  • Customs debts
  • Child or spousal support
  • Some personal injury judgments
  • Related to fraud committed by the debtor

An Example:

Blake and Crystal* have serious financial problems for a number of reasons. Blake is a life-long learner and has accrued $80,000 in student loan debt. Blake and Crystal were particularly concerned about paying off that debt when, out of the blue, Blake was diagnosed with a serious disease.

He had substantial medical bills and the couple paid for them with credit cards, accruing $120,000 in debt. In addition to the student loan and medical debt, Blake was married previously and pays child support in the amount of $300 per month to support his two children.

If Blake and Crystal want to file for bankruptcy, the student loan debt and the child support are non-dischargeable debt. However, the medical debt could be wiped away if Blake and Crystal met the requirements for a Chapter 7 bankruptcy. However, under federal bankruptcy, in some cases, a debt that was once non-dischargeable can be made dischargeable by showing a serious and debilitating hardship.

*Blake and Crystal are fictitious characters created for the purposes of explaining and illustrating various bankruptcy situations.

Our attorneys can listen to your story and help you to figure out the best legal options for your debt relief. Contact us online or by calling today!

Hear From Our Satisfied Clients

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