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Discharging Your Debt

Discharging Your Debt Through Bankruptcy

Bankruptcy Attorney Serving Westchester County, New York

The final goal of bankruptcy is the discharge of all eligible debt. When debt is "discharged" this means that the debtor has no further obligation to pay it. The debtor is no longer personally liable for the debt and no further action can be taken by any creditor or debt collector to collect this debt. The specific manner in which debt will be discharged will vary not only depending on your unique financial situation and the type of debt but also whether the debtor files under Chapter 7 or Chapter 13.

Eliminating debt can bring a debtor much-needed relief. A Westchester County bankruptcy attorney at our law firm can help you understand exactly how your debt will be affected by bankruptcy. We can answer your questions, address your concerns and assist you in the process of deciding whether to file all the way through to the discharge of your eligible debt.

What Debt Can Be Discharged During Bankruptcy?

A bankruptcy discharge typically only applies to unsecured debt. This would generally include:

  • Credit cards
  • Personal loans
  • Medical bills
  • Utility bills

Secured debt, including student loans, child support, spousal support and certain taxes, cannot be discharged with bankruptcy. In some cases, however, you may be able to look at paying these with a Chapter 13 repayment plan, but they cannot be discharged without payment.

With more than 25 years of legal experience, Attorney Bronson is here to support you in filing for bankruptcy. He is committed to providing personalized attention combined with knowledgeable representation in order to offer his clients the best opportunity at discharging as much debt as possible, quickly. Our firm handles cases in White Plains and throughout Westchester County.

Contact a Westchester County bankruptcy lawyer at our firm to learn more about discharging your debt.