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Can all my debt be discharged by filing Chapter 7 bankruptcy? Atlanta, GA

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Can all my debt be discharged by filing Chapter 7 bankruptcy?

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Being buried in debt is something far too many people in Atlanta are struggling with. And while being unable to keep up with bills and other payments is stressful enough, it is not just the money troubles that make this situation so unbearable. There are also the relentless letters and calls from collections agencies and the looming fears about the future.

It may not be long before people in this situation reach a breaking point. They may see no end to the harassment and the penalties for missed payments may be adding up faster than ever. At this point, it may be crucial to explore the option of filing for Chapter 7 bankruptcy protection in order to have certain types of debt discharged.

There are many types of debt that can be wiped out by Chapter 7 bankruptcy, though not all debt may be discharged. This is an important distinction to make because a person may want to consider alternatives to Chapter 7 if much of their debt is not eligible for relief. 

Some types of debt commonly discharged in Chapter 7 include:

  • Credit card debt
  • Medical bills
  • Unpaid utility bills
  • Personal loans
  • Money owed for personal injury claims (in some cases)

Debts that a person can still be responsible for paying because they may not be discharged in Chapter 7 often include:

  • Most types of student loans
  • Child support payments
  • Alimony
  • Debts not specified in a bankruptcy filing
  • Some taxes

Carefully considering the types of debt that a person is dealing with can be crucial in identifying effective relief options. If, for example, a person is dealing with debt due in large part to student loans and alimony, Chapter 7 may not be right.

But if a person has these same financial obligations in addition to considerable medical bills, Chapter 7 can be a good way to have debt from medical bills discharged. This can make it easier for a person to get back on track with other payments, like those student loans and alimony payments.

Discussing specific types of debt with an attorney can help people across Georgia get an idea of what they can do ease the stress and anxiety associated with their financial burdens.

Posted on behalf of Gingold & Gingold

1718 Peachtree St NW, #385
Atlanta, GA 30309

Phone: (404) 685-8800

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Our Client Reviews

Gingold & Gingold LLC
5.0 / 5.0

Based on 28 reviews

Jack L.

They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

All C.

Mr. Gingold was recommended by an attorney I had worked with previously. I met with Ira Gingold to discuss credit issues. He went over each specific issue thoroughly. He advised me of the potential outcomes. He did all this in one meeting for a very reasonable price. When we finished I was confident in moving forward with a resolution. He definitely wants to help people take the appropriate course of action for their circumstance.

Karen B.

Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

Lyla B.

I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

Julie T.

Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

Sherard W.

I cannot say enough about this law firm. From the initial consultation to our discharge, the entire office kept me updated with every step of the entire process. I came to the Gingold after a bad experience with another law firm. Ira and Jamie immediately began treating me like family through this experience. In the end, they assisted with eliminating many debts including my 2nd mortgage. I cannot say enough about the experience and knowledge that Ira brought to the table from the office visits to the court time. Thank you very much for helping me through this tough time. Thank you.

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