Chapter 7 Bankruptcy is what most people think of when they think of bankruptcy. In this type of case, you file a petition asking the court to discharge your debts. The goal is to wipe out your debt. Some debt is not dischargeable, such as student loans and child support. If you are behind on payments for something like a car or a mortgage loan, chapter 7 bankruptcy may not be right for you.
In general, any debt other than new taxes or business taxes, a domestic support obligation, education-related, or willfully or maliciously incurred is eligible for discharge in a chapter 7. This means that medical bills, credit cards, and loans can be discharged in a chapter 7. Since there are always exceptions and unique situations, we would need to meet with you to discuss your specific debt and situation to help you determine the right legal course of action for you.