Bankruptcy is a powerful legal tool that can help you get out of debt. However, it is important to understand which debts can be erased in bankruptcy, and which debts cannot be erased.

There are different types of debt, and when it comes to bankruptcy the type of debt matters. Different types of debt are treated differently in bankruptcy and depending on the type of debt you have it may or may not be erased in bankruptcy.

Debts in bankruptcy are classified as dischargeable or nondischargeable.

  • Dischargeable debts are debts that can be erased in bankruptcy.
  • Nondischargeable debts are debts cannot be erased through bankruptcy and must be paid back.

Dischargeable Debts

The most common debts that are dischargeable include:

  • Credit cards
  • Medical bills
  • Personal loans
  • Utility bills
  • Certain older tax debts
  • Other types of credit or loans that were given without a collateral requirement.

After a successful bankruptcy, you will no longer be legally obligated to pay back your dischargeable debts. These debts are totally erased through bankruptcy. These creditors will never legally be able to attempt to collect payment for these debts.

Nondischargeable Debts

The most common debts that are nondischargeable include:

  • Spousal or child support payments
  • Fines imposed from a government body
  • Debts resulting from illegal activity
  • Some tax debts, including newer tax debts
  • Student Loans

This list is not exhaustive. Due to either the type of debt you owe or when or how it was incurred, you may have other debts that are also nondischargeable. When it comes to bankruptcy, every case truly is unique. You are legally obligated to pay back nondischargeable debts after bankruptcy.

We offer free consultations to anyone in Savannah, GA or the surrounding areas. Together we’ll explore your debts and how bankruptcy can help you and your family.

Explore How Bankruptcy Can Help You

The purpose of filing for bankruptcy is to get a handle on your debt, so it is critical to understand what bankruptcy can and cannot do for you.

At the Law Office of Barbara B. Braziel we are committed to helping people get out of debt and gain the financial freedom they deserve. We invite you to learn more about who we are here. If you live in Savannah, GA or the surrounding areas and have questions about your debt relief options, let’s meet for a free consultation.

Call us today at (912) 351-9000 or contact us to schedule a free consultation.


We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

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